How would you divide your 1-2 Lakh capital portfolio?

@bikidas2060 @Vinayvickey @aniruddha.rathi @_Munna_michael_ @quantum @UniqueDimer @hotchap @androgame @justforcoupon

will IT sector grow in coming decades ?

Rosh_0007 wrote:

@bikidas2060 @Vinayvickey @aniruddha.rathi @_Munna_michael_ @quantum @UniqueDimer @hotchap @androgame @justforcoupon

will IT sector grow in coming decades ?

Bhai give me some time. 

Rosh_0007 wrote:

@bikidas2060 @Vinayvickey @aniruddha.rathi @_Munna_michael_ @quantum @UniqueDimer @hotchap @androgame @justforcoupon

will IT sector grow in coming decades ?

1 bank HDFC
1 insurance / investment stocks ICICIGI and Star health
1 fmgc ITC
1 motor M&M
1 EV's ( I think we are the last generation to use petrol & oils) Tata 

Misc. engineering  Siemens (It is still going strong)

Rosh_0007 wrote:

@bikidas2060 @Vinayvickey @aniruddha.rathi @_Munna_michael_ @quantum @UniqueDimer @hotchap @androgame @justforcoupon

will IT sector grow in coming decades ?

Ofcourse, its the future..

bikidas2060 wrote:

1 bank HDFC
1 insurance / investment stocks ICICIGI and Star health
1 fmgc ITC
1 motor M&M
1 EV's ( I think we are the last generation to use petrol & oils) Tata 

Misc. engineering  Siemens (It is still going strong)

1)BOB

2)LICI & PAYTM

3)ITC

4)M&M

5)HEROMOTO

Miscellaneous - RIL

Why ppf is excluded?

kartikxxx wrote:

Why ppf is excluded?

Because he is asking for businesses with future growth and PPF is fixed income investment AFAIK.

jennyllwilliams wrote:

Because he is asking for businesses with future growth and PPF is fixed income investment AFAIK.

Period is 15 years so it will a safe and tax free and assured investment, one can split (since the corpus is just 1-2 lack) between ppf and stocks/mf.

based on Covid experience, I am sure we are the first generation to see such man made catastrophic blunders without even firing a single bullet so 15yrs is a big uncertainty now and my suggestion is to have max 4-5yrs as the max/future investment  period and try to make investment based on the current situation then and there where you can ensure you are reaping decent profits (9-10%), if you are looking for safe investments then small finance banks have the best interest rates for 2-3yrs (Jana gives 8.15% for 500days, Shriram gives 8.18% for 50months etc) where you get 8-9% interest rates/10-11% effective yield for 4-5yrs investments.. 

if you want for 15yrs period then the above points suggested by fellow dimers are fine.. banks -- SBI (public) & ICICI/HDFC (private) are the safest banks as of now as suggested by RBI so should be fine for next 15yrs (hopefully 😉)

It will be an academic exercise only. Buy & hold is not a good strategy. We have to keep up to date with our investments. If one can’t do that… better to invest in ETF or MF.

PPF, Stocks and Gold

Gold can be used for emergency purpose

kartikxxx wrote:

Why ppf is excluded?

arundass007378 wrote:

based on Covid experience, I am sure we are the first generation to see such man made catastrophic blunders without even firing a single bullet so 15yrs is a big uncertainty now and my suggestion is to have max 4-5yrs as the max/future investment  period and try to make investment based on the current situation then and there where you can ensure you are reaping decent profits (9-10%), if you are looking for safe investments then small finance banks have the best interest rates for 2-3yrs (Jana gives 8.15% for 500days, Shriram gives 8.18% for 50months etc) where you get 8-9% interest rates/10-11% effective yield for 4-5yrs investments.. 

if you want for 15yrs period then the above points suggested by fellow dimers are fine.. banks -- SBI (public) & ICICI/HDFC (private) are the safest banks as of now as suggested by RBI so should be fine for next 15yrs (hopefully 😉)

homeapp605863 wrote:
debt funds vs coroporate fd vs ppf which one is good , service wise return wise safety wise?

i will just pick one Stock , if my capital below 5 Lacs

I am getting infosys already at 52 week low.. its best time to invest 50% amount now.. near 1200

and 50% near 900-950 ... after 4 years minimum target 2200+

kartikxxx wrote:
Of course PPF it is

debt fund me redeem instant hota ha...without charges 

interest above 7%

ppf me block ho jaega

block hi karna ha toh infosys me invest kardoo

homeapp605863 wrote:

debt fund me redeem instant hota ha...without charges 

interest above 7%

ppf me block ho jaega

block hi karna ha toh infosys me invest kardoo

U asked service wise, safety wise and return wise - i suggested ppf.

Now u changed ur question to liquidity.

Cheating karta hai tu.

homeapp605863 wrote:

debt fund me redeem instant hota ha...without charges 

interest above 7%

ppf me block ho jaega

block hi karna ha toh infosys me invest kardoo

kartikxxx wrote:
Never put all ur eggs in 1 basket.

homeapp605863 wrote:

agar rescission ka risk ha toh ppf is not best ..(aapka paisa kam interest par block ho jaega)
aur agar optimistic hokar positive socho then Infosys ne always best returns banakar diya ha

reliance Infosys , HDFC & LT
ye 4 India ke solid pillar ha always stand in any conditions 

homeapp605863 wrote:

agar rescission ka risk ha toh ppf is not best ..(aapka paisa kam interest par block ho jaega)
aur agar optimistic hokar positive socho then Infosys ne always best returns banakar diya ha

reliance Infosys , HDFC & LT
ye 4 India ke solid pillar ha always stand in any conditions 

kartikxxx wrote:
Stocks are subject to market risk .
Offcourse u can split ur funds, par sraa infosys mai lagana bewakoofi hogi

homeapp605863 wrote:

i will just pick one Stock , if my capital below 5 Lacs

I am getting infosys already at 52 week low.. its best time to invest 50% amount now.. near 1200

and 50% near 900-950 -- too much confidence ?? ... after 4 years minimum target 2200+

CC: @bikidas2060

kartikxxx wrote:
Never put all ur eggs in 1 basket.

I Never

Reason - I am pure Vegetarian. 

I would divide as follows

Diversified FMCG - ITC

Construction - L&T

Auto Ancillary - Samwardhana Motherson

NBFC power - REC/PFC

Green Energy - NTPC/IOC

Misc - GM Breweries

Can add 1 sugar sector, 1 metal sector and 1 Defense as well for LT.

Invest in debt free companies