ilmscore | SIP + Gold: How to BALANCE Your PORTFOLIO? | Ankur Warikoo Hindi

SIP + Gold: How to BALANCE Your PORTFOLIO? | Ankur Warikoo Hindi

Published: 2025-04-12
Status: Available | Analyzed

Predictions from this Video

Total: 9
Correct: 1
Incorrect: 2
Pending: 6
Unrated: 0
Prediction
Topic
Status
Suggests an investment strategy where a percentage of savings equal to one's age should be allocated to safe assets (like FD, corporate bonds, gold, real estate), and the remainder (100 - age percent) to equity.
"If your age is x, suppose it is 30 years. So x% of your savings means 30% of your savings should go into safe assets. ... debit the remaining 100 - x means 70%, in case if you are 30 years old, you should go in equity."
Investment Strategy - Age Based Allocation
Pending
For a 30-year-old, recommends allocating 30% to large-cap stocks, and 30-40% each to mid-cap and small-cap stocks.
"If you are 30 years old then you should take large cap up to 30%. Then 30%-40% mid cap, 30-40% small cap."
Investment Strategy - Equity Allocation (Age 30)
Pending
For a 50-year-old, suggests allocating 50% to safe assets and 50% to equity. Within equity, 50% should be in large caps and 50% in mid caps, with no allocation to small caps.
"If your age is 50%. If you are 50 years old, then 50% will go into safe assets. 50% will go into equity. There too, 50% will go to large caps. 50% will go to mid caps. You should not invest money in small caps."
Investment Strategy - Equity Allocation (Age 50)
Pending
Gold acts as a hedge against equity market crashes because it tends to rise or remain stable when equities fall.
"So during a crash of the equity market, gold may be negatively or inversely correlated. Meaning, if the market is falling, then gold is rising or is stable or is not falling as much as the equity market is falling. And that is why gold is called a hedge against equity markets."
Gold as a Hedge
Correct
For funds needed within three years, recommend investing primarily in safe assets like gold (around 80%) and a small portion in large-cap equity like Nifty (around 20%).
"First of all, if you know that you will need money in the next three years, then wherever you are investing, please invest very little in equity, if at all. ... my suggestion will be around 80% Gold 20% Nifty."
Investment Strategy - Short Term (0-3 Years)
Incorrect
For funds needed within 3 to 10 years, suggest a balanced approach of 50% gold and 50% equity, with equity comprising 50% large-cap and 50% mid-cap.
"If you need this money within 3 to 10 years ... then you can go with something like a near 50-50 approach 50% Gold 50% Equity. In that equity also, you can invest not only in large cap but also a little bit in mid cap. So maybe it can be 50% large cap 50% mid cap."
Investment Strategy - Medium Term (3-10 Years)
Pending
For investment horizons exceeding 10 years, recommend allocating 70-80% to equity (with a mix of large, mid, and small caps) and 20% to gold.
"If the horizon is more than 10 years ... Then we have almost 70-80% of it in equity. In that, 30% large cap, 30-40% small cap, 30-40% mid cap and then about 20% gold."
Investment Strategy - Long Term (10+ Years)
Pending
Predicts that Sovereign Gold Bonds (SGBs) will not be reintroduced due to government issues.
"SGBs were a great option. But I don't think they will come back because the government has given them some trouble. ... But my prediction is that SGBs will not return."
Sovereign Gold Bonds (SGBs)
Incorrect
Recommends rebalancing a portfolio every 5-10 years, rather than annually or semi-annually, to maintain the desired asset allocation.
"So rebalance from I Wood only after about 10 years. You can do it in 5 years also. It's up to you to do as much as you want. But you don't have to do it every year. You don't have to every six months. You don't have to do it every two years. 5 10 Years It's a good time for you to rebalance."
Rebalancing Frequency
Pending