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, ET Online|
1/5
A volatile ride
With uncertainty clouding equity markets, investors looking to deploy a lumpsum face the challenge of allocating their money across asset classes. Four wealth management experts recommend a mix of equities, debt and gold, with the allocation depending on an investor’s risk appetite and financial goals. Here are the recommendations for a conservative investor, as reported by ETBureau.
iStock
2/5
Juzer Gabajiwala, Director, Ventura Securities
Equity - No allocation in equities.
Hybrid - Around 100% allocation in hybrid funds. Rs 2.5 lakh in DSP Multi Asset Allocation Fund, Rs 2 lakh each in HDFC Multi Asset Allocation and Nippon India Multi Asset Allocation, Rs 1 lakh in WOC Multi Asset Allocation and Rs 2.5 lakh in Kotak Multi Asset Allocation Fund.
Gold - No allocation in gold.
ET Online
3/5
Vishal Dhawan, Founder, Plan Ahead Wealth Advisors
Equity - Around 20% allocation in equity. Rs 1 lakh in Motilal Oswal Nifty 500 Index Fund and Rs 1 lakh in HDFC Flexi Cap Fund with STP over 6 months.
Hybrid - Around 30% allocation in hybrid funds. Rs 1.5 lakh each in ICICI Prudential Balanced Advantage Fund and SBI Equity Savings Fund.
Debt - Around 35% allocation in debt. Rs 2 lakh in Kotak Income Plus Arbitrage and Rs 1.5 lakh in Invesco India Arbitrage Fund
Gold - Around 15% allocation in gold. Rs 1.5 lakh in SBI Gold ETF.
ET Online
4/5
Dheeraj Gaur, Chief Investment Strategy Officer, Choice Wealth
Equity - Around 45% allocation in equity. Rs 2.5 lakh in Kotak Multi Cap, Rs 1 lakh each in Nippon India Large Cap and ITI Small Cap Fund.
Hybrid - Around 25% allocation in hybrid funds. Rs 2.5 lakh in WhiteOak Capital Multi Asset Allocation Fund.
Gold/NCDs - Around 30% allocation in Gold and NCDs. Rs 1 lakh in Motilal Oswal Gold and Silver Passive Fund of Funds and Rs 2 lakh in NCD with 2-3 years maturity and 9-11% YTM - consider investing Rs 1 lakh
ET Online
5/5
Feroze Azeez, Joint CEO, Anand Rathi Wealth
Equity- Around 65% allocation in equity. Rs 1.63 lakh in Quant Large Cap, Rs 1.43 lakh in HDFC Flexi Cap Fund, Rs 1.3 lakh in ICICI Prudential Dividend Yield Fund, Rs 1.04 lakh Kotak Mid Cap and Rs 1.1 lakh in Invesco India Small Cap
Arbitrage or Target Maturity Funds - Around 30% allocation in arbitrage funds with Rs 1 lakh each in Aditya Birla Sun Life Arbitrage, Kotak Arbitrage Fund and SBI Arbitrage Fund. Or Around 30% allocation in target maturity funds with Rs 1.2 lakh each in Kotak Nifty SDL April 2032 Top 12 Equal Weight index Fund, Rs 1.2 lakh in Bandhan Crisil IBX 90:10 SDL Plus gilt April 2032 index Fund and Rs 0.6 lakh in HDFC Nifty G-Sec June 2036 Index Fund
Gold - Around 5% allocation in gold - invest Rs 0.5 lakh in UTI Gold ETF.
ETMarkets.com
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