Portfolio for every investor

Age, many believe, is crucial to investing. Logically, the younger you are, the greater must be the equity exposure. One’s goals,investment horizon and risk tolerance should also be the determining factors. So there is no blanket rule.

Given here are five different portfolios targeted at various profiles. Check to see which one suits you most. Consider these as guidelines to help fine tune your portfolio.

AGGRESSIVE GROWTH
This portfolio is meant for you:

• If wealth creation is your agenda
• If young and starting a career

The riskiest portfolio of all, it has the capability to generate high returns. Your aim must be to build wealth. Age is on your side and you have almostzero financial liabilities - no dependents or loans to serve. Money saved in these years of your life will contribute the most to your overall wealth.
 

Funds	Classification	Portfolio Weight (%)
Fidelity Equity-G	Large-& Mid-Cap	25
HDFC Equity-G	Multi-Cap	25
DSPBR Micro Cap Reg-G	Mid-& Small-Cap	15
AIG World Gold-G	International	10
BSL Dynamic Bond Ret-G	Income	10
IDFC Premier Equity Plan A-G	Mid-& Small-Cap	15

GROWTH
This portfolio is meant for you if you:

• Want to diversify your assets and already have an investment base
• Are fairly young or just married with certain goals to achieve
• Are shifting from double income to a sole bread winner situation

Draw time frames for your goals and work towards them. A strong equity allocation will get you there. While you are earning pretty well, there would be an increase in your financial liabilities. So while an aggressive portfolio may not be the need of the hour, you still need growth.
 

Funds	Classification	Portfolio Weight (%)
Fidelity Equity	Large-& Mid-Cap	20.03
HDFC Top 200	Large -& Mid-Cap	20.22
ICICI Pru Dynamic	Multi-Cap	20.22
Reliance Equity Opportunities	Multi-Cap	19.83
BNP Paribas Bond Reg	Income	19.70

STABLE GROWTH
This portfolio is meant for you if you are:

• Making a career shift or opting for an early retirement
• Faced with a change in family circumstances (divorce, birth of a child, sudden death). You need not be in a particular age group or in a specific phase of your life to sport such a portfolio. Fine tune your portfolio and meticulously plan your investments to adjust to the new dynamics.

 

Funds	Classification	Portfolio Weight (%)
BSL 95-G	Equity-oriented	24.85
FT India Dynamic PE Ratio FoF	Asset Allocation	25.07
HDFC Balanced	Equity-oriented	25.29
Reliance Reg Savings Balanced	Equity-oriented	24.79

CONSERVATIVE
This portfolio is meant for you if you:

• Pay a high marginal tax and want to decrease your tax burden
• Want to maximise your wealth, with an eye on retirement

The goal is income protection and safeguarding of assets. We would offer it to someone who is at ease with their financials, but who has to play cautious too. To give a more practical image, it could be that your children are now self-sufficient, which means that you have less dependents. Alternatively, you could be young but servicing a fair amount of debt or have many dependents.
 

Funds	Classification	Portfolio Weight (%)
FT India Dynamic PE Ratio FoF	Asset Allocation	40.13
HDFC MIP Long-term	Debt-oriented Conservative	29.95
Reliance MIP	Debt-oriented Conservative	29.91

INCOME & GROWTH
This portfolio is meant for you if you are:

• Retired
• Less than a year away from retiring

The goal here is to make all your savings and investments work towards giving you a comfortable life.

Normally, people tend to get apprehensive at this point of their lives. Yet, it could turn out to be the most financially rewarding phase. The person could be at the peak of his career and the children would most probably be financially independent by now. Retired investors have a number of issues to look out for; protect their accumulated wealth, minimise the tax implications of their retirement income and get the most out of their accumulated wealth.
 

Funds	Classification	Portfolio Weight (%)
HDFC MIP  Long-term	Debt-oriented  Conservative	24.83
Reliance MIP	Debt-oriented  Conservative	24.65
FT India Dynamic  PE Ratio FoF	Asset Allocation	25.15
UTI Balanced	Equity-oriented	25.37