Five Asset Classes of Investment

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There are five basic asset classes that one deals with in financial planning:

Equity:

 

 That generates an inflation-plus return in the long run. However, it could be volatile in the short term and should be looked for asset creation only when money has to be accumulated over several years.

Debt investments:

 

These, like like fixed deposits, PPF, etc., are relatively more predictable compared to equities. However, not all debt investments give guaranteed returns. On several occasions, they can generate returns below the rate of inflation (CPI). So, if too much of money is parked in debt instruments, your wealth might actually not grow compared to inflation.

Gold/Silver:

 

Although in India no portfolio seems complete without this asset class, this is basically meant to ensure liquidity and gives a flavor of stability in the portfolio. So a 5-10% allocation is fine, but over-allocation can put one again in a risky situation.

Real estate:

 

 In India, often financial success is measured in the number of properties one owns. But the truth is financial success and owning property has no correlation. This asset class is good but not regulated and appreciation is always known only in hindsight.

Moreover, it is an extremely illiquid asset and often one can't sell a property when needed the most.

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