Press Release

News,Article,Findoc | April 29
2021 Asset Allocation: Experts suggest to keep this much in equity, gold, real estate

Source: The Financial Express

The performance of your investment portfolio over the long term depends on how efficiently you have allocated funds across different assets. Rather than sticking to one asset class, it’s always better to spread your money across different assets such as equities, debt, real estate, gold or even other alternative assets. As different assets react differently to the external factors, the likelihood of the value of all asset price going up or down at the same time is remote. If an event has a negative impact on the value of a specific asset, the less-impacted assets balance the portfolio returns.

As far as asset allocation is concerned, it depends on individuals’ risk appetite and the number of years to goals. Typically, equities suit when the goals are far away. Nearing goals, debt assets such as debt funds fit the bill. The most important rule is to maintain the asset allocation and not change it mid-way before reaching the goal.

If you are investing without an asset allocation plan in place, you may not be following the financial planning process in its true form. Beginning of 2021 can be a good starting point to build an asset allocation plan.

When it comes to the allocation of funds in 2021, your money should not chase recent returns from the asset classes. “The asset allocation should be based on investment for overall financial goals of a person. Hence, it is better to retain the asset allocation and do not try new things. For long term goals, equities continue to be the best asset class. If anyone wants to invest a lump sum of Rs. 100 for the long term in equities at present, gradual approach of spreading this investment across 6 – 9 months will be better in the year 2021,” suggests Harshad Chetanwala, Co-Founder,

Through asset allocation, you are able to do the first level of diversification while diversifying within assets provides the second level of diversification. For example within equities, you may invest in stocks or equity mutual funds. “Investors should consider in making a balanced portfolio and should be diversified in various segments to take benefit for utmost growth. The portfolio should have moderate liquidity in order to generate cash whenever required. Therefore, it is suggested to have a higher portion of the portfolio in equities around 65 per cent through mutual funds or direct investment. Real Estate can be allocated 15 per cent, Remaining 20 per cent in Liquid Funds and Gold In order to balance the portfolio,” says Nitin Shahi, Executive Director of Findoc Financial Services Group

An important level of diversification is also when you diversify globally. Among several other factors, the performance of equities depends on the economy of a nation. On the back of a strong economy like the US, you may consider investing in US stocks. “While it is important to understand more about the investor and investment profile, let us presume long term to be a tenure over seven years and the risk profile of the investor being close to aggressive. In such a situation, an equity-oriented portfolio with around 75 per cent allocation to equities, 15 per cent to gold and 10 per cent to fixed income should be close to ideal. Within equities, a 15 per cent-20 per cent allocation can be attributed to global equities,” says Subramanya SV, co-founder & CEO at Fisdom


Important Message The information contained in this file is provided for informational purposes only, and should not be construed as legal advice on any matter. The content and interpretation of the law addressed herein is subject to revision. We disclaim all liability in respect to actions taken or not taken based on any or all the contents of this file to the fullest extent permitted by law. Every effort is made to avoid errors. In spite of that, errors and discrepancies may creep in. It is expressly stated that neither Findoc Investmart Private Limited nor any of the contributors of updates will be responsible for any damage to anybody on the basis of this document. Readers are, therefore, requested to cross check with the original sources e.g. Government publications, Orders, Judgments etc., before taking any action or making any decision. These services are being provided through our group companies Findoc Capital Mart Pvt Ltd and Findoc Finvest Private Limited

Attention Investors
  • 1. Stock Brokers can accept securities as margin from clients only by way of pledge in the depository system w.e.f. September 1, 2020.
  • 2. Update your mobile number & email Id with your stock broker/depository participant and receive OTP directly from depository on your email id and/or mobile number to create pledge.
  • 3. Pay 20% upfront margin of the transaction value to trade in cash market segment.
  • 4. Check your securities / MF / bonds in the consolidated account statement issued by NSDL/CDSL every month.
  • 5.Investments in securities market are subject to market risks, read all the related documents carefully before investing.
  • 6.The securities are quoted as an example and not as a recommendation.
No need to issue cheques by investors while subscribing to IPO. Just write the bank account number and sign in the application form to authorise your bank to make payment in case of allotment. No worries forrefund as the money remains in investors account.
Prevent Unauthorized Transactions in your demat account --> Update your Mobile Number with your Depository Participant. Receive alerts on your Registered Mobile for all debit and other important transactions in your demat account directly from NSDLon thesame day.....issued in the interest of investors.
KYC is a one-time exercise while dealing in securities markets-once KYC is done through a SEBI registered intermediary (broker, DP, Mutual Fund etc.), you need not undergo the same process again when you approach another intermediary. | (As instructed by SEBI, We hereby declare that we do engage in proprietary trading in all segment across the exchange.)
Effective communication & Speedy redressal of the grievances a. Register on SCORES portal b. Mandatory details for filing complaints on SCORES: i. Name, PAN, Address, Mobile Number, Email ID c. Benefits: i. Effective communication ii. Speedy redressal of the grievances link:
In case of grievances for any of the services rendered by Findoc Investmart Pvt Ltd write an email to
Mandatory updation of certain attributes of KYC of clients - The advisory is also displayed on the Depository website at following link:
1. NSDL:IN-DP-469-2020 2. Findoc Finvest Pvt. LTD. CIN no:U65910CH1995PTC016409 RBI REGISTRATION NO. B-06.00267 3. Findoc Investmart Private Limited CIN no:U74992CH2010PTC035180 SEBI REGISTRATION NO. INZ000164436 4. Findoc Investmart IFSC PVT. LTD CIN no: U65999GJ2017PTC095984 SEBI REGISTRATION NO. INZ000200735 5. INVESTMENT ADVISOR SEBI Registration no. INA100012297

Member I'd | Nse- 14697 | BSE- 6529 | MCX- 55205 | NCDEX- 01152


Registered Office :

1210/1211/1212/1213,1213A, Exchange Plaza, Near Mercury Hotel, Opp. WTC Tower, Gift City, Gandhi Nagar- 382355, Gujarat, India

Corporate Office :

4th Floor, Kartar Bhawan, Near PAU Gate No.1, Ferozepur Road Ludhiana -141001.

Copyright © 2023 FINDOC INVESTMART PVT. LTD. All Rights Reserved.

Developed & Content Powered by Accord Fintech Pvt. Ltd.

Open a Demat Account