Investment Portfolio Kaise Banayein? Age-wise Guide

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Investment Portfolio Kaise Banayein? Age-wise Guide

By wealthchecker Team | Investment | 7 min read

Sahi portfolio banana ek formula ka kaam nahi — yeh aapki age, goals, aur risk tolerance par depend karta hai. Chaliye age-wise samajhte hain.

100 Minus Age Rule

Simple rule: 100 mein se apni age minus karo — woh percentage equity mein lagao. Baaki debt/safe instruments mein.

25 saal ke ho → 75% equity, 25% debt. 40 saal ke ho → 60% equity, 40% debt.

20s Mein Portfolio

AssetAllocationWhere
Equity70-80%Index funds, some equity funds
Debt15-20%PPF, NPS
Gold5%SGB ya Gold ETF

30s Mein Portfolio

AssetAllocationWhere
Equity60-70%Index funds + some diversification
Debt20-25%PPF, FD, NPS
Gold10%SGB
Real EstateConsider karoREITs ya property

40s Mein Portfolio

Risk thoda kam karo. Capital preservation important hone lagti hai. Equity still zaruri hai inflation ke liye, par debt ka proportion badhao.

Rebalancing: Saal mein ek baar portfolio check karo. Agar equity 80% ho gayi (market upar gaya), toh kuch debt mein shift karo — original allocation maintain karo.
FinanceSavingsInvestmentHinglishIndiaMoney Tips

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