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Advice by Rajani Tandale, Senior Vice President, Mutual Fund at 1 Finance

From what you’ve shared:

· Time horizon: Long (15+ years) → you have the capacity to take risk and ride through volatility.

· Risk appetite: High.

· Track record: You already have a one-year investment history and are now finalising your “go forward” portfolio.

· Emergency fund: You are targeting ₹2 lakh in a debt/liquid fund (ABSL Liquid). Advertisement

· Monthly deployment: 35,000, of which 29,000 is into equities/gold and 6,000 is earmarked for the emergency fund.

The debt/liquid allocation is rightly kept separate as an emergency buffer and not for returns. However, I don’t yet have your holistic picture (age, profession/industry, family background, dependents, liabilities, home ownership,

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