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Diversification of 50 lacs portfolio across high, moderate and low risk investments
- 1. Diversificatio n of 50 lacs Post office 500000₹ NPS 306000₹ LIC 406206₹ Equity market 1500000₹ Mutual fund 1200000₹ PPF 500000₹ Gold 587794₹ Objective of my portfolio • First of all I want capital appreciation. • Want to have enough money in my hand after retirement. • I want to beat inflation by investing in the financial asset which generates more return than the % of inflation High risk investment 30% Moderate risk investment 24% very low risk investment 46% risk diversification High risk investment Moderate risk investment very low risk investment
- 2. Post office (500000₹) 1. Kisan Vikas patra (250000₹) almost for 10 years Amount Invested in Kisan Vikas Patra (KVP) doubles in 110 months (9 year and 2 months). It gives interest @6.9% p.a 2. National saving certificate (250000₹) for 5 years NSC qualifies for tax deduction under Section 80C of Income Tax Act and therefore your investment up to Rs 1,50,000 would be eligible for tax deduction from income. It gives interest @6.8% p.a It has power of compounding National pension scheme of LIC A national pension scheme does not have a fixed rate of interest, but the returns are based on the market performance of the funds as the investments are made in market- linked securities. The contribution made towards the NPS scheme can be invested in 4 different asset classes like equities, government bonds, corporate bonds, and alternative assets through different pension funds. The returns offered by these pension funds depend on the market performance of the stocks and bonds Normally NPS gives 9%-12% returns Up to the maximum deduction of Rs. 1.5 lakh can be claimed in NPS under section 80C of the Income Tax Act. LIC Pension Fund - Scheme E - TIER II LIC Pension Fund - Scheme E - TIER II is an NPS scheme that invests predominantly in Equity. The scheme was incepted on 03/07/2013. Its portfolio comprises of 67 companies with highest exposure in Reliance Industries Ltd.
- 5. LIC insurance policy • Jeevan Labh – 936 • Sum Assured: 550000 • Premium paying period: 16 years • Annual premium of Rs.25353 for 16 years. • Maturity amount (SA+Bonus+FAB) is paid after the policy term of 25 years. • Expected Maturity amount as per the current bonus rates comes to around Rs. 1443750. • Normal Insurance coverage and accidental insurance coverage is available during the term of the policy. • Loan and surrender facility is available after two years and at least two full-year premium payment.
- 6. Equity (1500000₹) Criteria of above shares Return over 10years >=15 Sales growth 3Years >5 Return over 5years >=8 Return on equity >=13 Market Capitalization >40000
- 7. IT software FMCG Finance Cement Paints/Varnish Pharmaceuticals Banks Chemicals Plastic products Tyres Capital Goods - Electrical Equipment Diamond, Gems and Jewellery Agro Chemicals steel green energy refinery retail SECTOR DIVERSIFICATION Mutual Funds (1200000₹) Quant Absolute Fund Direct-Growth (600000₹)
- 8. Axis bluechip fund (600000₹)
- 10. SBI Public Provident Fund (PPF) (500000₹)
- 11. Gold (587794₹) 5145₹ per gram Buying 114.25 gram gold