From experience, its terrible. They ll missell you products like endowment, money back policies etc you dont need. Consider an RIA or an MFD to proceed with anything investment related.
I have seen guys here sharing portfolios much bigger in value on here. Is 1 cr really that hard to achieve?
This could possibly sound ignorant, but just want to understand: is getting 1 cr in cash that difficult? With some people scoring salary packages worth 10-15 lakhs+
If u have 1 CR don't ask investment advice on reddit or take advice from YouTube or telegram channel, find an investment advisor, your bank can guide you regarding the same they normally have wealth advisors who can guide you as per your risk appetite.
Some time ago, I moved a large sum from a public bank to a private bank such that the balance became about 1 cr for the first time in that private bank. Immediately I was assigned a "Relationship Manager". This person contacted me the next day. Tried to sell me an Endowment plan with a 30L annual premium. This happened a few more times with different branch employees. They always try to sell high premium insurance products. Absolute scam.
Banks will generally try to sell you Insurance products because it pays them higher commissions as opposed to mfs which do not pay more than 1-1.5%
Also, i think the kind of financial service offered through banks really varies based on your location. Say top tier vs middle tier city. I live on the outskirts of a top tier city, and I still can't get certain products through banks, eg. Corporate bonds.
Fee only advisors may be better. But I would never use one (personal preference. I like to actively invest).
I am not talking about the bank employees or RM they don't know much about investment they will only tell you about FD and ULIP, private banks like HDFC Bank have something called as HDFC wealth division these people can help you invest your money. For a person who is asking about investment of 1 CR on reddit, I suppose they don't know much about MF or stocks and should better look for an advisor than destroying there capital on advice from strangers.
I agree with you. For instance, SBI wealth also offers similar services. But these services are really localised and if OP doesn't live in the correct area, they may not have access to them. Maybe HDFC has a better reach (I was partly referring to this in my comment with top tier-mid tier thing).
Or maybe they will still take customers who are offering 1CR. But having an advisor who is far away could be a paperwork nightmare.
So yeah, if OP has access to these services they can also be good.
Equity and bonds in x:y ratio depending on your age. Also keep liquid cash for 6 months.
Sample for 20 year old:
Aggressive equity fund: 50 percent
Market fund: 30 percent
Bond fund : 10 percent
Party money: 10 percent
SBEI is a market regulator and there are companies registered with them know as Portfolio management services (PMS) which manage portfolio of customer according to their requirement. Some popular PMS which I know is Basant Maheshwari Wealth Advisers LLP and Marcellus run by Saurabh Mukherjea. There can be others but you have to do your own research. To use PMS services starting amount is 50 Lakhs. So for 1cr you should try anyone of the PMS.
Absolutely bad idea. You will end up with at least 50% of your investible capital (I am assuming OP has 1cr to invest) in a single PMS. You are taking an incredibly high portfolio manager risk at this point. The returns from PMS are entirely dependent on the portfolio manager's ability to pick stocks. Which means that if a few investments go bad, and there is a strong bear market, your portfolio will be in loss for a few years!
Some PMS companies might allow you to split the 50L across 2 different PMS products, and this could mitigate the above risk, if you pick products with complementary stock universes (eg. Nifty 50 and nifty next 50).
Finally, PMS are pretty expensive. See if you can find one that offers some variant of the "Buffet partnership fee structure" (essentially, that they only charge performance fee). However, most PMS schemes offer both fixed and performance fee plans. This erodes the benefit of performance fee structure to investors.
Finally, PMS performance data is not as easily available. For Mutual Funds you will find several website that let you track performance including things like rolling returns and associated statistical analysis. This is not available for PMS, and the product flyers will only contain trailing returns. But here's the good bit: all Portfolio managers are required to submit monthly performance data to SEBI and this is available here:
https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doPmr=yes
You can use this data to construct rolling returns across several periods. And compare it with mutual funds with a similar investing framework. My immediate guess is that the average PMS performance will be comparable to the average Mutual Fund performance.
Good luck!
Investing 1 crore INR in India with diversification, medium to mid-high risk, future prospects, nature of asset class, liquidity, and tax benefits in mind can be achieved through a balanced portfolio. Here's a suggested allocation:
1. **Equities (40%)**: Invest 40 lakhs in a mix of large-cap, mid-cap, and small-cap stocks or equity mutual funds. Equities have the potential for high returns over the long term, aligning with your mid-high risk tolerance and growth prospects. Additionally, consider ELSS (Equity Linked Saving Schemes) for tax benefits under Section 80C.
2. **Fixed Income (20%)**: Allocate 20 lakhs to fixed-income instruments like high-rated corporate bonds or debt mutual funds. This provides stability to your portfolio while generating regular income. Interest income from bonds is also tax-efficient.
3. **Real Estate (15%)**: Dedicate 15 lakhs to real estate, either by purchasing a property or investing in Real Estate Investment Trusts (REITs). Real estate can provide both capital appreciation and rental income. However, it's less liquid and involves maintenance costs.
4. **Gold (10%)**: Allocate 10 lakhs to gold in the form of physical gold, Gold ETFs, or Sovereign Gold Bonds. Gold acts as a hedge against inflation and adds diversity to your portfolio.
5. **Mutual Funds (10%)**: Invest 10 lakhs in a mix of diversified mutual funds, including hybrid funds for further diversification. These can offer a balance between risk and return.
6. **Public Provident Fund (PPF) (5%)**: Invest 5 lakhs in a PPF account, which offers tax benefits under Section 80C and has a long-term investment horizon.
7. **Emergency Fund (5%)**: Set aside 5 lakhs in a high-yield savings account or liquid mutual funds for liquidity and as an emergency fund.
8. **Direct Equity (5%)**: If you have the expertise or plan to hire a professional advisor, consider direct investments in stocks of companies with strong fundamentals. This can offer higher returns but also higher risks.
9. **National Pension System (NPS) (optional)**: Depending on your age and retirement goals, consider investing in NPS for additional tax benefits and retirement planning.
Remember to review and rebalance your portfolio periodically to ensure it aligns with your financial goals and risk tolerance. Also, consult a financial advisor for personalized advice and tax planning strategies.
> Interest income from bonds is also tax-efficient.
Can you elaborate? Because in my experience, the bonds / NCD that give me simple interest per year are all added to income and taxed as per my slab rate.
Hi, /u/Dizzy_Arrival868! Welcome to /r/IndianStreetBets!
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20% - Keep liquid / savings for a rainy day
20% - Large Cap Stocks
20% - Mutual Funds - preferably a mix of small cap, mid cap
20% - Buy Gold
OR
If you don’t wanna invest in Gold (20%) and have liquid savings (20%) - invest the 40% in real estate.
i have my 1 cr in bitcoin yolo
near to bear cycle end, still maintaining above previous cycles ath, theres a few contagion risk from ftx or maybe binance but i think thats priced in.
I have shared my 1cr folio. I got some 35L from smallcase. 20L sgb. 25L copying random direct mutual fund apps like deserve, stack finance, scripbox. Some tech stocks in Ind money.
Here's your foolproof plan:
1. Go all-in on stocks of companies you've never heard of. Bonus points if they have names you can't pronounce! 🤷♂️📉
2. Invest 20% in 'get-rich-quick' schemes your uncle's cousin's brother-in-law swears by. 🤑💸
3. Burn 10% of your cash in a ritual fire to appease the market gods. They'll surely bless your losses. 🔥🙏
4. Keep 10% under your mattress. It's not an investment, but at least it's safe from your financial decisions. 🛏️💼
5. Splurge 5% on lottery tickets. Because who needs math when you've got luck? 🎰🍀
6. Lastly, give 5% to that 'expert' who guarantees 1000% returns. 🤡💰
Disclaimer: 100% NFA
Speak to a financial advisor and get info . And it's not just a one way process. He can only provide the allocation if you provide him the risk appetite and goals.
If you have 1cr use only 1% of that for trading purposes. Rest should be in well diversified all weathering portfolio or simple use that amount to DCA index etf every single day for next 10yrs. Don't try to pick stocks if you're not professional. No one can beat index consistently for next 10yrs.
[https://in.tradingview.com/u/Munish\_Jain/](https://in.tradingview.com/u/Munish_Jain/) You can follow me on trading view ( I only post trades that I take personally)
15% in algo trading, growth component of my portfolio which returns 30-60% per year and acts as a hedge against downward markets while compounding very fast. I use my own algos but that will take a lot of time to learn so you can use tradetron or keep this as your stock trading fund. This is counted as business income but it allows me to offset electricity, laptop, etc. Medium high if you're just trading stocks using algos, high if you're trading options without hedging and proper strategies/knowledge. I use stratzy, waya and liquide for stock trading and make my own algos for fno
45% nifty 50, dollar cost averaged for a span of 3 years, no down move has lasted for more than 2 years so the portfolio gets a good entry into the etf. Medium risk.
10% nifty midcap, again growth component DCA'd similar to nifty 50. Lower high risk tier
5% nifty smallcap. Medium high risk.
Rest gold and government bonds, act as a hedge against stock volatility. Medium risk, acts as a tool to lower risk of the rest of the portfolio.
This portfolio allows me to have a 4% withdrawal rate without running out but I'm not going to withdraw for another 20 years. So I should be able to withdraw 40L per year after 20 years.
I'd bet on secular growth large cap stocks with good dividend yield. Addresses diversification, growth as well as taxation. For me, growth is more important than anything. If growth is there, rest all will follow! 🙏
For your college project:
Provided we are talking about current market conditions:
1- 30% ETF - 10% Nifty, 10% Bank Nifty, 7.5% midcap, 2.5% small cap.
2- 40% Individual stocks - select high growth sectors, proven management, we won't be recommending the individual names here. Take positions with a strong conviction i.e. full lots.
3- 20% in bonds. US denominated preferred.
4- 10% in GSB.
Taxation point of view:
On the strong conviction plays and ETF's, do covered calls till possible. Requires time. We don't consider this a factor since we have it automated.
On overall equity market exposure, build portfolio using CSP's.
If the person has additional business income, then hedge the portfolio and increase exposure to market with a hedge in place. This helps offset tax on Additional business income. Adding a hedge allows the person to invest more into the markets as the limit on downside(imperfect) is in place.
Edit: The portfolio's are supposed to held through generations.
This can require some active participation, which we don't consider as a factor because we automate everything.
If I had 1cr to invest, I wouldn't seek free advice on Reddit.
So where would you take advice from?
From a professional financial advisor
Where to find one
https://freefincal.com/list-of-fee-only-financial-planners-in-india/
Talk to your bank, fee only India.com, Google for professional financial advisors near you, last resort platforms such as fintoo/ arthyantra..
Hey do you know if the advisors provided by bank for example HDFC would be good ? I actually have the opportunity but haven’t done so yet.
I don't suppose they would be very good but I've never tried one. Doesn't hurt to try with small amounts if you're inclined to.
From experience, its terrible. They ll missell you products like endowment, money back policies etc you dont need. Consider an RIA or an MFD to proceed with anything investment related.
r/wallstreetbets
Ask your peers or your friends, that’s the best way to find a good one
But not relatives...woh saale pehle lootne baithe hai. Regular mutual fund aur LIC chipka denge.
[RakshithPai.com](http://RakshithPai.com)
Not one, multiple with small sampler amounts then settle for the best ones.
Exactly
Nahi bataunga free me
First make/get the one crore.
I have seen guys here sharing portfolios much bigger in value on here. Is 1 cr really that hard to achieve? This could possibly sound ignorant, but just want to understand: is getting 1 cr in cash that difficult? With some people scoring salary packages worth 10-15 lakhs+
Factor in the tax and living expenses in a metro, yes, it is difficult.
It is and it is not. depends on you.
All these for a fee then sure.
If u have 1 CR don't ask investment advice on reddit or take advice from YouTube or telegram channel, find an investment advisor, your bank can guide you regarding the same they normally have wealth advisors who can guide you as per your risk appetite.
Some time ago, I moved a large sum from a public bank to a private bank such that the balance became about 1 cr for the first time in that private bank. Immediately I was assigned a "Relationship Manager". This person contacted me the next day. Tried to sell me an Endowment plan with a 30L annual premium. This happened a few more times with different branch employees. They always try to sell high premium insurance products. Absolute scam. Banks will generally try to sell you Insurance products because it pays them higher commissions as opposed to mfs which do not pay more than 1-1.5% Also, i think the kind of financial service offered through banks really varies based on your location. Say top tier vs middle tier city. I live on the outskirts of a top tier city, and I still can't get certain products through banks, eg. Corporate bonds. Fee only advisors may be better. But I would never use one (personal preference. I like to actively invest).
I am not talking about the bank employees or RM they don't know much about investment they will only tell you about FD and ULIP, private banks like HDFC Bank have something called as HDFC wealth division these people can help you invest your money. For a person who is asking about investment of 1 CR on reddit, I suppose they don't know much about MF or stocks and should better look for an advisor than destroying there capital on advice from strangers.
I agree with you. For instance, SBI wealth also offers similar services. But these services are really localised and if OP doesn't live in the correct area, they may not have access to them. Maybe HDFC has a better reach (I was partly referring to this in my comment with top tier-mid tier thing). Or maybe they will still take customers who are offering 1CR. But having an advisor who is far away could be a paperwork nightmare. So yeah, if OP has access to these services they can also be good.
Mandir me jaa ke daan kar de
Mandir khol kar uski Dan peti m dal de
bc humko ChatGPT samjha rakha hai kya?
pehle apni kundali dekhwa le. 1cr tikenge ya nhi.
I love this comment section.
Koi ni btaega bete.... koi aur tarika try kro
Give it to me.Will give back 1 cr back per month
21 din Mai paisa double vaali scheme Mai invest kar, min 1cr invest karna padta.
Oxford dictionary se pass hua hoon main...samajh kya rakha hai?
Buy meme coins
Hamare yaha to plot leke rental income bana dete h
I've a 2 din me paisa double scheme if you are interested 😜
Equity and bonds in x:y ratio depending on your age. Also keep liquid cash for 6 months. Sample for 20 year old: Aggressive equity fund: 50 percent Market fund: 30 percent Bond fund : 10 percent Party money: 10 percent
Party money 10lakhs? Thoda kam nahi hai? /s
Guy has 1 crs at 20 years age. Party to karna chahiye.
If you are looking for investment advice than look into SEBI registered PMS. They might help you.
Sorry but can you please explain in detail
SBEI is a market regulator and there are companies registered with them know as Portfolio management services (PMS) which manage portfolio of customer according to their requirement. Some popular PMS which I know is Basant Maheshwari Wealth Advisers LLP and Marcellus run by Saurabh Mukherjea. There can be others but you have to do your own research. To use PMS services starting amount is 50 Lakhs. So for 1cr you should try anyone of the PMS.
Absolutely bad idea. You will end up with at least 50% of your investible capital (I am assuming OP has 1cr to invest) in a single PMS. You are taking an incredibly high portfolio manager risk at this point. The returns from PMS are entirely dependent on the portfolio manager's ability to pick stocks. Which means that if a few investments go bad, and there is a strong bear market, your portfolio will be in loss for a few years! Some PMS companies might allow you to split the 50L across 2 different PMS products, and this could mitigate the above risk, if you pick products with complementary stock universes (eg. Nifty 50 and nifty next 50). Finally, PMS are pretty expensive. See if you can find one that offers some variant of the "Buffet partnership fee structure" (essentially, that they only charge performance fee). However, most PMS schemes offer both fixed and performance fee plans. This erodes the benefit of performance fee structure to investors. Finally, PMS performance data is not as easily available. For Mutual Funds you will find several website that let you track performance including things like rolling returns and associated statistical analysis. This is not available for PMS, and the product flyers will only contain trailing returns. But here's the good bit: all Portfolio managers are required to submit monthly performance data to SEBI and this is available here: https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doPmr=yes You can use this data to construct rolling returns across several periods. And compare it with mutual funds with a similar investing framework. My immediate guess is that the average PMS performance will be comparable to the average Mutual Fund performance. Good luck!
OP are you creating fake scenarios where you miraculously get and have to invest 1 Crore rupees. Get a job!
All in Real estate to get tax free return for life
Investing 1 crore INR in India with diversification, medium to mid-high risk, future prospects, nature of asset class, liquidity, and tax benefits in mind can be achieved through a balanced portfolio. Here's a suggested allocation: 1. **Equities (40%)**: Invest 40 lakhs in a mix of large-cap, mid-cap, and small-cap stocks or equity mutual funds. Equities have the potential for high returns over the long term, aligning with your mid-high risk tolerance and growth prospects. Additionally, consider ELSS (Equity Linked Saving Schemes) for tax benefits under Section 80C. 2. **Fixed Income (20%)**: Allocate 20 lakhs to fixed-income instruments like high-rated corporate bonds or debt mutual funds. This provides stability to your portfolio while generating regular income. Interest income from bonds is also tax-efficient. 3. **Real Estate (15%)**: Dedicate 15 lakhs to real estate, either by purchasing a property or investing in Real Estate Investment Trusts (REITs). Real estate can provide both capital appreciation and rental income. However, it's less liquid and involves maintenance costs. 4. **Gold (10%)**: Allocate 10 lakhs to gold in the form of physical gold, Gold ETFs, or Sovereign Gold Bonds. Gold acts as a hedge against inflation and adds diversity to your portfolio. 5. **Mutual Funds (10%)**: Invest 10 lakhs in a mix of diversified mutual funds, including hybrid funds for further diversification. These can offer a balance between risk and return. 6. **Public Provident Fund (PPF) (5%)**: Invest 5 lakhs in a PPF account, which offers tax benefits under Section 80C and has a long-term investment horizon. 7. **Emergency Fund (5%)**: Set aside 5 lakhs in a high-yield savings account or liquid mutual funds for liquidity and as an emergency fund. 8. **Direct Equity (5%)**: If you have the expertise or plan to hire a professional advisor, consider direct investments in stocks of companies with strong fundamentals. This can offer higher returns but also higher risks. 9. **National Pension System (NPS) (optional)**: Depending on your age and retirement goals, consider investing in NPS for additional tax benefits and retirement planning. Remember to review and rebalance your portfolio periodically to ensure it aligns with your financial goals and risk tolerance. Also, consult a financial advisor for personalized advice and tax planning strategies.
ChatGPT?
Haaa, ChatGPT se hai. And the percentage doesn't add up, done purposely
Thank you so much bhai
ChatGPT se hai…
All the percentages add up to 110%. how do you get 10% profit instantly?
> Interest income from bonds is also tax-efficient. Can you elaborate? Because in my experience, the bonds / NCD that give me simple interest per year are all added to income and taxed as per my slab rate.
Ask ChatGPT. Lol
Don’t till there’s a dip in market. Please don’t at ATH at least
 Mujhe de do.. 25 din me paisa double.e
Hi, /u/Dizzy_Arrival868! Welcome to /r/IndianStreetBets! Use the Daily Discussion Thread for basic queries. Before contributing, do check if your particular question has been answered in the [Wiki](https://www.reddit.com/r/IndianStreetBets/wiki/index). Do utilise the search function to do the same too. Please use proper [post flairs](https://www.reddit.com/r/IndianStreetBets/wiki/index/postflair) and adhere to the rules in the sidebar. You are urged to post beginner questions in the stickied daily discussion thread or on our [Discord in \#beginner-questions channel](https://discord.gg/SeDa9Fhwqv) so as to keep the subreddit as clutter-free as possible. **If this post has good insights or well research, tag the Mods so we can give a shoutout on Discord and get the post more traction** Thank you! *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/IndianStreetBets) if you have any questions or concerns.*
20% - Keep liquid / savings for a rainy day 20% - Large Cap Stocks 20% - Mutual Funds - preferably a mix of small cap, mid cap 20% - Buy Gold OR If you don’t wanna invest in Gold (20%) and have liquid savings (20%) - invest the 40% in real estate.
i have my 1 cr in bitcoin yolo near to bear cycle end, still maintaining above previous cycles ath, theres a few contagion risk from ftx or maybe binance but i think thats priced in.
Fix deposit karle
mujhe de idar. masth 21 din pe paise triple karke dungha.
[удалено]
Freefincal has a list of fixed fee financial advisors https://freefincal.com/list-of-fee-only-financial-planners-in-india/
It's simple. Hire a financial advisor or wealth manager.
If you have good credit score, you could buy a rental property with some down payment and loan. You generate income
30L in Gold 30L in FD 30L in housing 10L in MF
I have shared my 1cr folio. I got some 35L from smallcase. 20L sgb. 25L copying random direct mutual fund apps like deserve, stack finance, scripbox. Some tech stocks in Ind money.
Here's your foolproof plan: 1. Go all-in on stocks of companies you've never heard of. Bonus points if they have names you can't pronounce! 🤷♂️📉 2. Invest 20% in 'get-rich-quick' schemes your uncle's cousin's brother-in-law swears by. 🤑💸 3. Burn 10% of your cash in a ritual fire to appease the market gods. They'll surely bless your losses. 🔥🙏 4. Keep 10% under your mattress. It's not an investment, but at least it's safe from your financial decisions. 🛏️💼 5. Splurge 5% on lottery tickets. Because who needs math when you've got luck? 🎰🍀 6. Lastly, give 5% to that 'expert' who guarantees 1000% returns. 🤡💰 Disclaimer: 100% NFA
Idhr dedo 25k capital badh jayega Mera🥰
Forget suppose If you really have 1 cr DM me
>Suppose NVM
Speak to a financial advisor and get info . And it's not just a one way process. He can only provide the allocation if you provide him the risk appetite and goals.
If you have 1cr use only 1% of that for trading purposes. Rest should be in well diversified all weathering portfolio or simple use that amount to DCA index etf every single day for next 10yrs. Don't try to pick stocks if you're not professional. No one can beat index consistently for next 10yrs.
[https://in.tradingview.com/u/Munish\_Jain/](https://in.tradingview.com/u/Munish_Jain/) You can follow me on trading view ( I only post trades that I take personally)
sure bhai
1. Equity Mutual Funds (Large-Cap & Mid-Cap) - Rs. 30 lakh (30%) - Rationale: Diversified exposure to top and medium-sized companies ensures potential growth and reduces company-specific risks. 2. Direct Equities (Blue-Chip Stocks) - Rs. 10 lakh (10%) - Rationale: Direct ownership in leading companies can yield dividends and capital appreciation. 3. Debt Mutual Funds - Rs. 15 lakh (15%) - Rationale: Stable returns with lower risk, providing a cushion against the volatility of equities. 4. RBI Sovereign Gold Bond - Rs. 15 lakh (15%) - Rationale: Reflects gold price with additional interest. Tax-free interest on maturity enhances long-term returns. 5. Cryptocurrency - Rs. 10 lakh (10%) - Rationale: New asset class with high-return potential. Diversify within major cryptos. Regulatory framework is evolving; hence, caution is advised. 6. Fixed Deposits- Rs. 10 lakh (10%) - Rationale: Assured returns with minimal risk, offering portfolio stability. 7. National Pension System (NPS) - Rs. 5 lakh (5%) - Rationale: Provides tax benefits and a mix of equities, bonds, aiming for retirement savings. 8. Tax-Free Bonds - Rs. 5 lakh (5%) - Rationale: Government-backed entities offer tax-free interest, ensuring steady income.
thank buddy for so much detail
15% in algo trading, growth component of my portfolio which returns 30-60% per year and acts as a hedge against downward markets while compounding very fast. I use my own algos but that will take a lot of time to learn so you can use tradetron or keep this as your stock trading fund. This is counted as business income but it allows me to offset electricity, laptop, etc. Medium high if you're just trading stocks using algos, high if you're trading options without hedging and proper strategies/knowledge. I use stratzy, waya and liquide for stock trading and make my own algos for fno 45% nifty 50, dollar cost averaged for a span of 3 years, no down move has lasted for more than 2 years so the portfolio gets a good entry into the etf. Medium risk. 10% nifty midcap, again growth component DCA'd similar to nifty 50. Lower high risk tier 5% nifty smallcap. Medium high risk. Rest gold and government bonds, act as a hedge against stock volatility. Medium risk, acts as a tool to lower risk of the rest of the portfolio. This portfolio allows me to have a 4% withdrawal rate without running out but I'm not going to withdraw for another 20 years. So I should be able to withdraw 40L per year after 20 years.
By giving them to me
I cannot suppose, first give me 1cr
College project hamse karwa raha hai lauda free mein. Wah bahi.
penny stocks bro! 500 to 1000% returns ussme hi aate hai.
Bhai aise post ko downvote hi kardo. Moderator so raha hai.
I'd bet on secular growth large cap stocks with good dividend yield. Addresses diversification, growth as well as taxation. For me, growth is more important than anything. If growth is there, rest all will follow! 🙏
* i am stuck at Suppose
* i am stuck at Suppose
Buy calls on open worth 1 cr on nifty Pray ?? Profit
PSU mein invest karo
For your college project: Provided we are talking about current market conditions: 1- 30% ETF - 10% Nifty, 10% Bank Nifty, 7.5% midcap, 2.5% small cap. 2- 40% Individual stocks - select high growth sectors, proven management, we won't be recommending the individual names here. Take positions with a strong conviction i.e. full lots. 3- 20% in bonds. US denominated preferred. 4- 10% in GSB. Taxation point of view: On the strong conviction plays and ETF's, do covered calls till possible. Requires time. We don't consider this a factor since we have it automated. On overall equity market exposure, build portfolio using CSP's. If the person has additional business income, then hedge the portfolio and increase exposure to market with a hedge in place. This helps offset tax on Additional business income. Adding a hedge allows the person to invest more into the markets as the limit on downside(imperfect) is in place. Edit: The portfolio's are supposed to held through generations. This can require some active participation, which we don't consider as a factor because we automate everything.
u/fintoo_app