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Ever been out to dinner at a restaurant and ordered just Paneer? No rice or breads – just a few servings of the famous chef-special Paneer Special?
Probably not. A fulfilling wholesome meal needs a variety of food to balance flavours, textures and nutrition. So does your investment portfolio.
Think of your portfolio like a well-prepared wholesome meal. Each item on the plate serves a different purpose; rice and breads provide energy and carbs, mains add protein and flavour, sides add texture, drinks cools down the system, and something sweet finishes it off. Similarly, a diversified portfolio brings together different assets — each playing a unique role in your financial well-being.
- Diversified Indian equities are like the spicy Paneer or Chicken Masala. A protein rich, carefully curated blend of ingredients. They form the foundation of your meal and are primary source of nutrition.
- Global equities are your tadka dal full adding a new flavour – helping you hedge against domestic risks while benefiting from global innovation and currency diversification.
- Income assets such as FDs, bonds, and debt funds bring liquidity, stability, and predictable returns – much like rice and breads stabilize the overall meal and provide fibre and carbs.
- REITs and INVITs are the modern sides – adding a touch of real estate or infrastructure exposure without locking up large capital, making your plate more efficient and diverse.
- Gold is your lassi or buttermilk – a cooling hedge to spicy equities. It adds resilience and protects against inflation, currency depreciation, and market volatility.
- High-risk investments are the pickles and peppers – adding punch to the meal, but best enjoyed in small doses, based on your risk appetite.
Just like a balanced, nutritious, wholesome meal doesn’t overload on one dish or nutrient, a good portfolio shouldn’t be concentrated in one asset class. Many investors unknowingly go overboard on real estate or domestic stocks, missing out on the benefits of true diversification.
A thoughtfully diversified, multi-asset portfolio improves risk-adjusted returns, ensures liquidity during emergencies, cushions volatility, and supports long-term wealth creation.
How We Can Help
At Marcellus, we offer personalized goal-based asset allocation services with no obligation to invest with us.
Our investment counsellors help define your financial goals, assess your risk tolerance and determine your required rate of return to guide a prudent asset allocation strategy that may help you achieve your financial aspirations.
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