Tired of tracking the market every day? These ‘set and forget’ portfolios do the hard work for you
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Stop checking Zerodha every morning
A "set and forget" portfolio uses automation, broad diversification, and low costs to build wealth, all without ever picking a stock, timing the market, or losing sleep over corrections.
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Portfolio 1: The lazy investor portfolio (3 funds, done)
Simple. Cheap. Globally diversified. Built for people who have better things to do.
60%: Nifty 50 Index Fund which covers the largest and most stable Indian companies
20%: S&P 500 International Fund that provides hedge against INR depreciation and geographical diversification.
20%: Debt Fund / PPF or Liquid funds: Provides stability and helps reduce volatility during market corrections
60%: Nifty 50 Index Fund which covers the largest and most stable Indian companies
20%: S&P 500 International Fund that provides hedge against INR depreciation and geographical diversification.
20%: Debt Fund / PPF or Liquid funds: Provides stability and helps reduce volatility during market corrections
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Portfolio 2: One fund to rule them all
Not ready to pick three funds? An Aggressive Hybrid Fund invests 65–80% in equity and the rest in debt, automatically. Professionals manage the rebalancing so you don't have to. Ideal if you want equity-level growth with a built-in shock absorber. One SIP. One fund. One decision — ever.
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Portfolio 3: The retirement portfolio for the long game
Built for 15–30 year horizons. Covers large, mid, and small caps, plus a gold hedge.
50%: Flexi-cap Fund that helps you diversify across large, mid, and small-cap stocks.
30%: Parag Parikh Flexi Cap Fund or any other similar consistent fund.
20%: Sovereign Gold Bonds (SGBs) which act as a hedge against inflation and currency risk, with 2.5% guaranteed interest.
SGBs give a 2.5% guaranteed interest rate on top of gold price appreciation — a rare combination of yield and inflation hedge.
50%: Flexi-cap Fund that helps you diversify across large, mid, and small-cap stocks.
30%: Parag Parikh Flexi Cap Fund or any other similar consistent fund.
20%: Sovereign Gold Bonds (SGBs) which act as a hedge against inflation and currency risk, with 2.5% guaranteed interest.
SGBs give a 2.5% guaranteed interest rate on top of gold price appreciation — a rare combination of yield and inflation hedge.
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The 4 rules: Follow these or you'll sabotage your own returns
Automate via SIP: Set up auto-debit. Never manually clicking "buy" means you never panic-skip a bad month.
Use direct plans: Regular plans secretly skim 0.5–1.5% every year. Direct plans don't. Over 20 years, that gap is massive.
Rebalance annually: Once a year, trim what grew too large and top up what lagged. Takes 20 minutes.
Choose growth option: Always pick "Growth", not IDCW/Dividend. You want compounding, not cash dripping out early.
Use direct plans: Regular plans secretly skim 0.5–1.5% every year. Direct plans don't. Over 20 years, that gap is massive.
Rebalance annually: Once a year, trim what grew too large and top up what lagged. Takes 20 minutes.
Choose growth option: Always pick "Growth", not IDCW/Dividend. You want compounding, not cash dripping out early.
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Why it works: Compounding rewards patience, not cleverness
The math is brutally simple. The longer you leave money invested, the harder it works. Frequent selling resets the clock.
- ₹1L grows to ₹10L at 12% CAGR in ~20 years
- 0 hours/month of active monitoring needed
- Just 1 portfolio check per year
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Not for everyone: Index funds are the wrong tool in these 4 situations
- You need money back in less than 3–5 years. Markets don't care about your timeline.
- You want guaranteed returns. These are market-linked, you will see red during corrections.
- You enjoy picking stocks and reading balance sheets. Active investing might suit you better.
- You want to get rich fast. This strategy builds wealth slowly and surely; emphasis on slowly.
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Your best SIP date is today. The second best is tomorrow
- Pick one portfolio from this guide. Open a direct plan account on MF Central, Coin by Zerodha, or Groww. Set up a monthly SIP. Then close the app and go live your life.
- The entire point of "set and forget" is that you stop optimizing and start letting time do the work.