{"id":1706,"date":"2024-04-24T11:16:38","date_gmt":"2024-04-24T11:16:38","guid":{"rendered":"https:\/\/jamawealth.com\/askguru\/?p=1706"},"modified":"2026-03-02T19:23:52","modified_gmt":"2026-03-02T19:23:52","slug":"how-do-i-invest-to-accumulate-a-downpayment-for-a-home-in-india-in-a-time-period-of-3-5-years-what-portion-of-the-investment-should-be-in-the-stock-market-and-in-other-asset-class","status":"publish","type":"post","link":"https:\/\/maxiomwealth.com\/askguru\/2024\/04\/24\/how-do-i-invest-to-accumulate-a-downpayment-for-a-home-in-india-in-a-time-period-of-3-5-years-what-portion-of-the-investment-should-be-in-the-stock-market-and-in-other-asset-class\/","title":{"rendered":"How do I invest to accumulate a downpayment for a home in India in a time period of 3-5 years? What portion of the investment should be in the stock market and in other asset class?"},"content":{"rendered":"\n

Since your time horizon is below 5 years, go for a balanced mutual fund. Avoid the stock market because the return are difficult to predict, and you definitely need liquid cash in under 5 years. As you near your timeframe, shift to liquid funds from year 4 onwards.<\/p>\n\n\n\n

Be sure to read my other answer here: Ram Medury’s answer to What is the right decision, to live on rent for 20 years and start SIP in MF, or buy a home on loan for 20 Years?<\/a><\/p>\n\n\n\n\n

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Since your time horizon is below 5 years, go for a balanced mutual fund. Avoid the stock market because the return are difficult to predict, and you definitely need liquid cash in under 5 years. As you near your timeframe, shift to liquid funds from year 4 onwards. Be sure to read my other answer… Read More »How do I invest to accumulate a downpayment for a home in India in a time period of 3-5 years? What portion of the investment should be in the stock market and in other asset class?<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[129,9],"tags":[],"class_list":["post-1706","post","type-post","status-publish","format-standard","hentry","category-asset-allocation-financial-planning","category-financial-planning"],"_links":{"self":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/1706","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/comments?post=1706"}],"version-history":[{"count":1,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/1706\/revisions"}],"predecessor-version":[{"id":3377,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/posts\/1706\/revisions\/3377"}],"wp:attachment":[{"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/media?parent=1706"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/categories?post=1706"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/maxiomwealth.com\/askguru\/wp-json\/wp\/v2\/tags?post=1706"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}