- Invest 50k in mutual funds for minimum 3 years locking period. Locking period is must, so that you can not take money while market go significantly high or low. Locking periods will help you to become a investor. You can invest 50k in 3–4 mutual funds. I will invest in 3 mutual funds for safety. Because one mutual fund can give bad returns.
- 20k in IRCTC
- 20K Infosys
- 20k HDFC BANK
- 20k nestle
- 20k Kotak Mahindra Bank
- 20k Asian Paint
- 20k Jublient Food (domino pizza)
- 10k IDFC First Bank
Total : 2Lakh
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Ques: What is your expected rate of return?
Ans: I can not predict this but one thing i am hopeful it will be better than FD + inflation (6 + 6* = 12%). I am expecting minimum more than 12% return in long term (3–5years). For better return to can invest when market crashes or significantly down (more than 10% from peak)
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Ques: Will locking the amount in MF increases the returns and secondly, what if MF starts underperforming in lock in period
Ans: You can invest 50k in 3–4 mutual funds. I have invested in 5 mutual fund to overcome this issue.
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Ques: Shouldn't we include gold bond or etf and small case in it
Ans:
Small case - i dont feel comfortable in smallcase. I want to add stock 1 by 1, in case of smallcase you have to add all in one. You can think your portfolio as 1 smallcase. And managing 1 smallcase is always easy task.
Gold - Gold only given better return when they is a big problem in the world like Spanish flew (1920), Tech bubble, 2008 resession, corona . Other than that it doesn't give any good return. You can check gold historic 100 years chart.
Etf: you can go with this.
