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An Ideal Asset Allocation Strategy for Retail Investor

Today morning, I was reading News Paper having list of 10+ compines who had issued their IPO between 2006 to 2010…today their share price just only 5% to 1% of Issue price…I found that approx 1000+ Crore money lost by retail investors…To avoid above kind of mistakes and have a good return on investment with a peace of mind in the long run…pls read below article.  

An Ideal Asset Allocation Strategy for Retail Investor to earn Good Returns with safety, liquidity , flexibility & Tax efficiency.

1st Learn The Golden Principles of Family Financial Planning.

  1. You have to save minimum 30% of Annual Salary/Income for future certain Goals.
  2. Build a contingency corpus for the six month of household expenses & EMIs.
  3. Focus on your basic needs & avoid an unnecessary Luxury expenses & Impuse Shopping.
  4. Constant enhance your  Financial Quotient.
  5. An appoint qualified CERTIFIED FINANCIAL PLANNER and pay the annual fees because no free lunch in this world to prepare your comprehensive family financial plan (Life’s Road Map)

A Retail Investor should invest as per asset allocation (Broad Categories) 

1) 30% Debt (1st Preferrence to PPF (1 Lac/2Lac) & balance among Long term MF debt fund (40%), Tax free Bonds (20%), Bank FDs (20%) Traditional LIC (20% ) 
 

2) 30% Equity (1st Preference ELSS, Large cap MF, Index ETF, Large cap shares, Sector/midcap funds)

3) 30% Real Estate (1st own home, 2nd home for rental income, 3rd Commercial & 4th Land)

3) 5% Alternative investments (Precious metals, Gold ETF etc.)

4) 5% One's Self development- Regular investment in one's knowledge & skills Upgradation gives guaranteed double digit return in the long run.

Above Asset allocation will help Retail Investor to get optimum tax efficient return with the safety and liquidity.

For more detail about author, pls visit his website and post feel free to call.

www.TheCFPaspirantClubIndia.Com

 

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