Asset allocation for Married & No Kid ►►► Age less than 25 years

At his stage, your main priority is to have a property considering your age and absence of responsibilities of kids. You may afford to take risk. Your asset should be allocated as follows :

►  Invest a decent amount of savings, nearly 45%, in equity. You should now have relationship with a professional stock broker and a mutual fund adviser too.

►  You need to plan for the days when you may have a family. Invest 35% of your savings in property. You ca also think of keeping 40% in property and another 40% in equity.

►  In order to have liquidity, you need to have around 10% of your savings in bank accounts. Depending on your day to day needs, you can also reduce the percentage of allocation.

►  It is necessary to keep some money around 5% in fixed income instruments.

►  And keep 5% in Gold also. Please don’t jump on buying gold at today’s market price – the rate is bit high now. Just wait when the rate of 10gm Gold bar is available at around rupees 12K. Insist on buying Gold bar from reputed banks.