The Typical Salaried Investor
You earn well, have EPF contributions, and want your money to grow — but you don't want to spend hours researching stocks. You need a simple, efficient portfolio.
Here's a practical portfolio framework:
The Core-Satellite Approach
Core (70–80%) — low-cost index funds that you hold forever
Satellite (20–30%) — higher-potential active funds you review annually
Suggested Portfolio (Moderate Risk, ₹10L–₹50L Income)
|------|------|------------|-----|
| Nifty 50 Index Fund | Large Cap Passive | 40% | Lowest cost, market returns |
| Nifty Next 50 Index | Mid-Large Passive | 15% | Next layer of growth |
| Parag Parikh Flexi Cap | Flexi Cap Active | 15% | International diversification |
| ICICI Pru Short Term Debt | Debt | 20% | Stability and liquidity |
| Nippon India Gold BeES | Gold ETF | 10% | Inflation hedge |
Tax Optimization
- ELSS Fund — invest up to ₹1.5L/year for 80C deduction (3-year lock-in, equity returns)
- Long-term capital gains — hold equity funds >1 year for 10% LTCG instead of 15% STCG
- Debt fund taxation — debt fund gains now taxed at income tax slab rate
Step-by-Step to Start
- Download your portfolio statement from your broker or fund platform
- Identify overlap and redundant funds to exit
- Consolidate into the structure above
The goal isn't the "best" funds — it's the simplest, lowest-cost portfolio you can hold for 20 years.
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