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Some people say it depends upon your age. If you are40 only60% of your inv should be in equity. If you are20 it can be80%. If you have reached60 inv in equity cannot be more than40%. Also some have an opinion that investing in a local mutual fund is safer than a fund that invests in Chinese stocks though China has the highest GDP growth rate in the world. Some invest in MFs investing in oil & gas , some preffer seel . some banking funds. Whats your opinion?
this totally depend upon the level of investment and needs of the invester
I woulkd to go to debt.
I would go for equity but it depends on person risk appetite. Debt is likely to be less risky in general.
However,based on my personal experience, equity investment in small caps could reward investor higher if chosen carefully in term of capital gains. If you are interested in dividend for constant stream of income, then large caps are considered better option.
It is prescribed to have a diversified basket of securities. So one investment could not be an ideal choice for an investor. Much depends upon the risk perception, time frame, objectives and the investor's attitude towards investment. Additionally liquidity and return potential should be kept in mind. Equity investment small cap, large cap or mid cap should be made with a time frame of3 to5 years minimum. In addition one should have exposure to debt instruments. A thumb rule says your100 minus your age should go in equity and the rest in debt.
I would go for equity but it depends on person risk appetite. Debt is likely to be less risky in general.
equity is best for issue in order to mitigate the interest on issue of bonds for fixed interest for a maturity period, once company goes public issue never required to repay the capital of shareholder
Each asset class is imporatnt and every product will find space in portfolio because of its nature/returns. To answer this I'd say there is only one formula "ASSET ALLOCATION(dynamic in nature)" and asset allocation can not be done unless you are aware of client's risk profile/risk appetite/expectations. You will always find valuation gaps in small pockets of markets e.g. if Largecaps are overvalued increase exposure to mid/small and vice verwsa. Also on debt side, market condition is not suitable for Duration like Gsec/Gbonds(both long /Short Duration) , stick to accruals. To sum up as an advisor we need to understand wht client expects, wht is his risk appetite and most important wht opportunity market is offering you. Your answer is fucntion of these three variables.
Large cap equities has historically provided the best investment returns
I cannot offer personalized financial advice, as individual circumstances and risk tolerance play a crucial role. However, I can provide insights to guide your research:
However, I can provide some general insights:
Consider Target date funds:
These utilize the takeoff, glide path, and landing approach:
Consulting a financial advisor is recommended to create a personalized investment strategy based on your individual circumstances and risk tolerance. They can help you navigate factors like:
