Is it a balanced mix of equity and debt? Or something more aggressive or conservative?
Do share your approach - how you all build your portfolios.
AGGRESSIVE. 
The markets have a 100% track record of trending up for over centuries now.
Tinkering from time to time, should be around market caps, thematics and sectors.
If I had the option, I’d have bought MFs on MTF when the market crashed. 
On Debt: My parents say, neither lend to anyone nor take money from anyone. That has been the gospel ever since. 
3 Likes
In my opinion it all depends on 3 things
- the period of investment
- risk appetite
- How you look at money
For me I have very high risk appetite, and i can remain invested for undefined time till I have no other sources for expenses.
One of my friends who is same as my age is very conservative. He can’t see loss for short time also. He only puts his money in FDs (not even debt).
I understood this after getting frauded by my old school friend (now enemy).
1 Like
I follow an aggressive investment approach and primarily invest in equities. While I recognise the role of debt instruments, they don’t align with my strategy or interest. I am not drawn to mutual funds as an instrument as well. I prefer to curate my basket of stocks and build positions based on custom alerts and market signals. For long-term holdings, I lean towards ETFs over mutual funds due to their liquidity, transparency, and cost efficiency.
2 Likes
-
If you’re young or don’t need the money for at least 5 years: Choose highly aggressive investment options for potentially higher returns.
-
If you’re nearing retirement or need the money within 5 years: Split your investments between aggressive options like funds based on NSE strategy indices and hybrid options like Balanced Advantage Funds(which balance risk and stability).
-
If you are risk averse: Opt for a Balanced Advantage Fund, which invests in both stocks (equity) and bonds (debt) for lower risk.
-
If you are very risk averse, better to go for fixed deposits.
-
For aggressive investors: Consider Mutual Funds based on NSE’s strategy indices, which are highly volatile but rule-based, removing fund manager discretion. These indices avoid issues like investing in overpriced IPOs and are ideal for those comfortable with high risk. Examples of these indices are as below.
See below, the return profile of these Indices since 2005-01-01 to 2025-01-03.
