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Topic: Asset Allocation discussion

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tejas.k
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Joined: 07/Dec/2009
Location: India
Online Status: Offline
Posts: 563

Topic: Asset Allocation discussion
Posted: 23/Oct/2011 at 8:57pm

I dont see any related thread. Hence creating one. The intent is to know the asset allocation strategies of other members and get advice from experts. Lets not include real estate and physical gold since they are illiquid.
__________________________________________________________
Here is mine.

FD:                           40%
Savings Account:      20%
Direct stock:             18%
Equity oriented MF: 4%
Gold ETF:                  0%
ULIP:                        0%
Others :                    18%. ( Forced PF contribution, Gratuity, Infra bonds etc)

Debt (liability in the form of loan etc): 0

It would be good if others could share theirs.

Edited by tejas.k - 23/Oct/2011 at 8:59pm

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basant
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Joined: 01/Jan/2006
Location: India
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Posts: 18403

Posted: 23/Oct/2011 at 10:27pm

I'm 102% into equities, a house that I live in and the jewellery are not available for sale!

'The Thoughtful Investor: A Journey to Financial Freedom Through Stock Market Investing' - A Book on Equity Investing especially for Indian Investors. Book your copy now: www.thethoughtfulinvestor.in

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vijayM
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Joined: 21/Dec/2007
Location: India
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Posts: 649

Posted: 23/Oct/2011 at 11:38pm

Originally posted by basant

I'm 102% into equities, a house that I live in and the jewellery are not available for sale!

Do you suggest investment in Gold (physical) and Gold ETF?

If a business does well, the stock eventually follows:Warren Buffett

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Monkey
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Joined: 21/Aug/2009
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Posts: 770

Posted: 23/Oct/2011 at 9:15am

I have kept some money in FD which covers about one year of my expenses. This is something like funds for emergency. I have also bought an apartment to live in. I do not consider above as part of my investible money.

Other than above, I have invested almost 95% of investible money in equities and in the process of making it 100%. Besides, I also divert my monthly savings out of salary to my investible money and regularly put it in equities. I do not see myself out of equities unless forced to encash in case massive bubble of Harshad Mehta proportion develops.

I do not have any loans outstanding to pay. Hence, my networth, excluding emergency fund and apartment, is amost fully in equities.

Edited by Monkey - 23/Oct/2011 at 9:19am

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smart_prof
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Joined: 01/Apr/2007
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Posts: 171

Posted: 23/Oct/2011 at 11:01am

yes even i want to be 100 percent in equities accept my buisness requirements and consumtion

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itpro
Senior Member

Joined: 10/Mar/2011
Online Status: Offline
Posts: 149

Posted: 23/Oct/2011 at 11:08am

I think we can also include what kind of insurance people have purchased along with the asset allocation. People should get a good idea that they have not kept much in FD but they are properly insured e.g.
1. Term plan
2. Health plan.

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basant
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Joined: 01/Jan/2006
Location: India
Online Status: Offline
Posts: 18403

Posted: 23/Oct/2011 at 11:13am

Originally posted by vijayM

Originally posted by basant

I'm 102% into equities, a house that I live in and the jewellery are not available for sale!

Do you suggest investment in Gold (physical) and Gold ETF?

I do not do that!

'The Thoughtful Investor: A Journey to Financial Freedom Through Stock Market Investing' - A Book on Equity Investing especially for Indian Investors. Book your copy now: www.thethoughtfulinvestor.in

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LearningToFly
Senior Member

Joined: 22/Feb/2010
Online Status: Offline
Posts: 490

Posted: 24/Oct/2011 at 1:23pm

I am also 100% into equity and equity oriented mutual funds. I have also separated about 1 year expenses for any emergency. Rest all is invested. Though I generally have some cash available with me for any good deal.

Success... at all cost.

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