Asset allocation for a Single ►►► Age < 25 years

Typically you are a person with no liability. So you can afford to take high risk.

Your portfolio should be as follows :

► Keep a significant portion of your savings, around 45%, in equities. This is bit risky, but looking at your age, it's somewhat feasible.

► You should start investing in a real estate. Nearly 40% of your savings should be for the purpose of buying the real estate. You should always consult an expert real estate broker for this.

► You don’t need to have more than 5% of your money in savings accounts. If you need to keep something for any emergency purpose you can think of keeping aside some more percentage.

► You may also keep some money in fixed income instruments, may be to the extent of 5%. Say in Post Office or Bank fixed deposits.

► And keep some nearly 5% in bullion. We will have a detail discussion on bullion later on.