Type of investment
Conser-
vative
Mode-
rate
Aggre-
ssive
Equity
10%
30%
40%
Diversified funds
7
28
39
Tax relief funds
1
1
1
Index funds
2
1
0
Debt
80%
60%
50%
Short-term debt funds
15
0
0
Medium-term debt funds
8
25
9
Floating rate funds
18
4
0
Short-term gilt funds
0
0
0
Medium-term gilt funds
2
2
0
Monthly income funds
8
15
25
Post office MIP
7
7
8
GOI relief bonds
14
0
0
Small saving schemes
8
7
8
Cash
10%
10%
10%
Savings account
3
2
1.5
Liquid funds
7
8
8.5
Source: Bajaj Capital Centre for Investment Research