As the Indian investment bazaar thrives with opportunities, here’s how you might consider deploying your ₹6 crores:
- Direct Equity and Equity Mutual Funds: India’s growth story is still unfolding. You can earmark a portion of your corpus into diversified equity mutual funds, using the Roots and Wings philosophy. Seek stocks and funds which have companies with strong balance sheets (Roots) and show consistent revenue and profit growth (Wings).
- Debt Instruments: Bonds and corporate deposits can act as a safety net, preserving capital and providing steady income. They might not dazzle like equities, but they hold the fort during turbulent times.
- Portfolio Management Services (PMS): Customised solutions to cater to individual needs, PMS offers a basket of specialized investment strategies. They can be aggressive or conservative based on your risk tolerance. Jama wealth offers multiple strategies : quality, momentum.
- Fixed Maturity Plans (FMPs): These are close-ended debt funds with a fixed maturity date. They offer tax benefits and usually deliver slightly higher returns than FDs.
- Gold: No, not the jewellery from your favourite Karol Bagh store, but sovereign gold bonds or gold ETFs. They are a hedge against inflation and can be a small but significant part of your portfolio.
- Liquid Funds for Emergency: Always keep a portion, say 10% of your investment, in liquid funds. It’s like having an umbrella before it rains. Quick to redeem and relatively safe, they’re the perfect financial cushion.
- Overseas Investments: With the world becoming a global village, why keep all your eggs in one basket? Explore international mutual funds or stocks, diversifying across geographies. But don’t go overboard because India is very maximum growth is likely.
- Rebalance and Review: The market is like the ever-bustling streets of Chandni Chowk. Constantly changing. Regularly review and rebalance your portfolio to ensure it aligns with your financial goals.
Peter Lynch, the legendary investor, once remarked, “Know what you own, and know why you own it.” Investing isn’t just about maximising returns but aligning it with your goals and risk appetite. And always, before making big moves, consider seeking insights from a SEBI Registered Investment Advisor. They can help weave the complex tapestry of investment options into a coherent strategy.
If the financial maze seems too intricate, Jama Wealth’s PMS services and associate investment advisory services stand ready to light your path.
