Asset allocation for Married & Have Kid ►►► Age less than 25 years

At this stage, your main concern is to have a property as well as to plan for your children future. Here, you may afford to take risk. Your asset should be allocated as follows :

►  You need to plan for the days ahead – not only for yourselves, but also for your children. But a property of your own is your top priority at this stage. Keep 40% of your money in property. If you think this is too much,  make this percentage to 35%.

►  Keep a decent amount of money around 40% in equities. If you think this is too much, make this percentage to 35%.

►  You need to have around 10% of your money in savings accounts. Here, if you have put 35% each in property and equity, then put 20% in savings accounts.

►  Invest 5% of your savings in debentures and bonds to generate fixed income.

►  And keep 5% in Gold also.