In the financial world, seeking a 15% return with minimum risk may seem like an elusive dream. Keep in mind the fundamental principle of investing: higher potential returns generally come with higher risk.
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However, with a well-thought-out strategy, it’s possible to navigate towards your financial goals.
- Investing in Portfolio Management Services (PMS): PMS offers a tailor-made investment portfolio managed by professionals, allowing you to leverage their expertise. They invest in a mix of assets, potentially offering high returns. However, PMS usually caters to high-net-worth individuals and can involve a minimum investment of 50L which is what you have.
- Putting money in high-quality stocks: Stocks of well-established companies with sound business models can yield good returns in the long run. However, the equity market is volatile and requires a careful approach. Take help of a good SEBI Regd advisor.
- Employing an asset allocation strategy: Spreading your investments across various asset classes like equities, bonds, gold, and real estate can help manage risk and potentially provide steady returns. The allocation would depend on your risk tolerance, financial goals, and investment horizon.
Beware, aiming for a 15% return per annum with minimal risk will be challenging. You must adjust your expectations in line with market realities. Also, continuously monitor and adjust your investment strategy based on market conditions and personal financial goals.
It’s wise to consult with a SEBI Regd Investment advisor before making substantial investments. They can help devise a suitable investment strategy, aligning it with your risk appetite and return expectations. Remember, as much as investing is about growing wealth, it’s equally about understanding the risks involved and being comfortable with them.
