Subra sir, Please guide the steps for typical higher middle class family to move from 0% equity + 95% funds in bank as FD + Zero debt + own house portfolio to atleast 50% equity index fund portfolio.
@sureshlalwani410
9 ай бұрын
Thank you Sir
@aks14feb88
9 ай бұрын
Dear Subra Sir, I hope you are doing well. Thanks a lot for share your expirence and knowledge with us. Can you take a question, based on your availability, please? *QUESTION :* *What a retail investor (salary class) need to do when the whole market crash by 30-50 % like 2008, 2020 etc.* In future 7-10 years down the line. where he /She has invested all the money via direct stocks. Can you explain with a given example, please (if feasible) ? You can consider the following *Sample Situation & Portfolio Allocation* for your reference: Total equity portfolio : 1 crore (sample figure for this example) Large cap : 60% ( direct stocks) Mid cap : 20 % (direct stocks) Small cap : 20 % (only via mutual fund) 1 stock max allocation : 5 % Invest in 6-7 sector (bank, it, amc, insurance, chemical, consumer durables, paints, nbfc) Not invest in psu, government regulated sectors or large capex business or high debt companies >= 0.2 *Options* *Option 1:* do nothing and market will recover. *Option 2 :* invest only on finance sector like hdfc, icici and Kotak bank as they will recover fast *Option 3 :* downward average in all the stocks which your hold in your portfolio. *Option 4 :* take personal loan @10-12 % rate, 20-30% of total invested portfolio and downward average. *Option 5:* start building opportunity fund for such scenario and park in high interest fd in small finance bank. 20-30% of portfolio. *Note :* Current investment capacity : 4 lakh / month ( at such situation, investment capacity 2 lakh if in case one family member lose the job) Emergency fund (of 2 years), term plan, health insurance are in place with no debt. Not required money for next 10-20 years & he/ she know, market will come back, as he/ she had invested in sector leaders companies only.
@sharma8985
9 ай бұрын
धन्यवाद गुरु जी 🙏
@bishalgautam5196
9 ай бұрын
If there is internet available to you, create accounts online. Adopt new technology.
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