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.
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