Financial Education

Financial Wellbeing

Asset Allocation

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Financial education

<p>Proper Asset allocation is the key to a successful Investment Portfolio. As we have seen there are number of<br>Investment Products but for the purpose of Asset Allocation we can classify assets into 3 broad categories</p>
<table style="border-collapse: collapse; width: 65.6508%;" border="1"><colgroup><col style="width: 18.6047%;"><col style="width: 26.4066%;"><col style="width: 54.9137%;"></colgroup>
<tbody>
<tr>
<td>Fixed Income Products</td>
<td>Market Linked</td>
<td>Property</td>
</tr>
<tr>
<td>
<ul>
<li>All type of deposits</li>
<li>PPF/EPF</li>
<li>Sovereign Bonds</li>
<li>Debt Mutual Funds</li>
</ul>
</td>
<td>
<ul>
<li>Stocks</li>
<li>Equity Mutual Funds</li>
</ul>
</td>
<td>
<ul>
<li>Land</li>
<li>Apartments</li>
<li>Commercial Premises</li>
</ul>
</td>
</tr>
</tbody>
</table>
<p>Asset allocation depends on our cash flow needs and our risk appetite. However, even if our risk appetite<br>is high if investment is done for short term purposes only fixed income assets should be considered.</p>
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