Start Investing Today !!!

Will not get into the details on need for investing because there are plenty of articles written on the same. The primary reason to take control of your finances and ensure your money grows is simply because that’s in your own interest. If you think the financial industry will help, forget about it, they are after your money & if in the process your money grows then you are LUCKY!!! I am not discounting the investment vehicles available in the market but, none of them are available for gullible retail investors like us. So, what do we do? We create our OWN!!!

Take some efforts, spend some time, make wise decisions and see your money grow. LEARN and EARN !!!

Will try to define a simple roadmap for new investors to help start building their portfolio.

The Key to investing is Asset Allocation to achieve diversification and balance your portfolio for steady performance amidst uncertainties. You don’t need to watch the markets daily, have a view-point on the macro events, etc … Just keep SIP’ing, have patience and enjoy returns.

Exposure	Instrument	Risk / Reward	Allocation
Large Cap Equity	NIFTYBEES	Medium / Medium	60 – 70 %
Multi-Cap Equity / Tomorrow’s Large Cap’s	JUNIORBEES	High / High	10 – 20 %
Precious Metals / Hedge against the Equity	E-GOLD / E-SILVER	Medium / Medium	0 – 10%
Theme based Investing	BANKBEES / INFRABEES	High / High	0 – 10%
Liquid	LIQUIDBEES / FD / Debt Mutual Funds	Low / Low	10 – 20%

Most of the Investment instruments described in the above table are Exchange traded funds (ETF’s), which are regulated and ensure high liquidity. With just one online trading account you can invest in all the instruments and have easy access to track your portfolio.
Why am I not suggesting Mutual Funds to build naïve investor portfolio? My observation, deluge of funds without distinction, the overheads are high, the returns most of the times (70 – 80%) underperform the general markets, lock-in periods for your investment. Instead, I prefer to invest thru ETF’s, have access to my portfolio in single Demat window, don’t have to pay for the marketing charges, overheads, etc, and there is no lock-in period. It’s my MONEY and will use it when I need it, without paying any penalties. SIMPLE ???

Questions & Comments WELCOME!!! … Happy Festive Season to ALL !!!