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Experts suggest that maintaining a disciplined and consistent investment strategy is more crucial than focusing on short-term benchmark index records.

The balanced advantage fund category offers a safer approach compared to an aggressive equity portfolio. Fund managers can adjust their exposure to equity and debt based on signals from valuation and trend indicators. Nippon India Mutual Fund currently maintains a net equity exposure of around 41% and has a more conservative approach, with 80% of the equity portfolio in largecaps. The fixed income portfolio has an average duration of three years or below, with 80-85% of assets in investment-grade government securities.

"Because every individual has a unique appetite, whether its for risk, time horizon, demographics, return profile, and more. Providing a standard asset allocation strategy for everyone isnt straightforward. Therefore, some thumb rules, like “100 - age = Equity allocation” can serve as guidelines. Hence, the asset allocation strategy should be closely aligned with your future investment plans. "

In the edition of Ask Money Today, read about how you can plan to meet your post-retirement expenses

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