Investment advisor shares ideal portfolio mix for moderate risk-takers

If you are looking for some financial advice, here's one from a self-claimed investment advisor who took to Reddit to describe how one's portfolio should look like.

The advise is for those "who doesn’t want to go all-in aggressive but also doesn’t want money just sitting idle in low-yield options", the advisor, who claimed to have helped over 300+ people set up long-term portfolios,noted. He suggested a mix of mutual funds for moderate risk-takers. "It balances growth, stability, and peace of mind," he claimed.

As per the investment advisor, one's portfolio should have 20-25 per cent fund in the Large Cap. "These are your rock-solid companies—reliable, less volatile," he wrote.


Index Funds should comprise of about 15–20% as these 'low-cost, no-fuss exposure to India’s top 50 keeps your portfolio efficient and in line with market movements'.

Another 15–20% should be in flexi cap funds as these "gives the fund manager freedom to invest across large, mid, and small caps based on the market cycle".

15 per cent should be allocated to mid cap funds "where your long-term growth comes from, wrote the investment advisor.
He added that these are 'slightly more volatile, but worth it if you’re in it for 5+ years'.

Short-Term or Ultra Short-Term Debt Fund of about 15–20% will give "great for stability and emergencies". "Think of it as a low-risk buffer that doesn’t kill returns," the advisor added.

Gold Fund of 5–10% should be there but "Not for the bling, but for protection". Gold acts as a hedge when equity markets tumble, the person wrote.

According to the person this mix gives you:

• A steady growth engine (equity across large, mid, flexi, and index)
• A safety net (debt + gold)
• Enough diversification so you’re not betting everything on one horse

While terming this allocation as a "great foundation", the investment advisor added that the exact allocation can shift depending on your goals or life stage.

"If you’re starting out or even looking to rebalance your existing portfolio, this setup brings both growth and sleep-at-night comfort," the investment advisor concluded.