Passez à l'illimité avec Magzter GOLD
Obtenez un accès illimité à plus de 9 000 magazines, journaux et articles Premium pour seulement
Essayer OR - Gratuit
I recently received a ₹50 lakh windfall. How should I invest it?
Mint Hyderabad
|February 13, 2025
I'm 40 and received a *50 lakh windfall. My portfolio is 60% equity mutual funds, with gold and FDs. Should I invest in real estate for diversification with a 15-year horizon, given my retirement and children's education goals? How can I balance risk, returns, and liquidity, and what tax-efficient options should I consider? Should I adjust my portfolio and review it regularly?
A ₹50-lakh windfall offers a valuable opportunity to reassess your financial strategy, particularly in the context of retirement planning and funding your children's education over the next 8-15 years.
Since you are 40 years old and plan to retire around 55, you have a 15-year investment horizon and are well-positioned to optimise risk-adjusted returns by thoughtfully diversifying your portfolio.
Given that 60% of your current portfolio is allocated to equity mutual funds, incorporating real estate can provide diversification benefits, especially with a 15-year time horizon.
Cette histoire est tirée de l'édition February 13, 2025 de Mint Hyderabad.
Abonnez-vous à Magzter GOLD pour accéder à des milliers d'histoires premium sélectionnées et à plus de 9 000 magazines et journaux.
Déjà abonné ? Se connecter
PLUS D'HISTOIRES DE Mint Hyderabad
Mint Hyderabad
SIM misuse risk falls on users
Mobile subscribers may be held liable if a SIM card procured in their name is found to have been misused for cyber fraud or other illegal activities, an official statement said on Monday.
1 min
November 25, 2025
Mint Hyderabad
India needs catastrophe bonds to cover disaster relief expenses
We could reduce the fiscal burden of disaster relief by using the money invested in high-risk ‘cat bonds’ offering high returns
4 mins
November 25, 2025
Mint Hyderabad
Inverted duty fix is next on GST agenda
GST Council to expand work on fixing anomaly at next meet
1 min
November 25, 2025
Mint Hyderabad
India’s buffalo-milk mozzarella melting its way into global markets
India is emerging as an unexpected player in the global mozzarella market, upending a space long dominated by Western suppliers.
1 mins
November 25, 2025
Mint Hyderabad
Tesla vs Tesla: HC grants protection to Musk’s company
The Delhi High Court on Monday granted interim protection to Elon Musk-led Tesla Inc. in its trademark infringement case with Gurugram-based Tesla Power India Pvt. Ltd.
1 mins
November 25, 2025
Mint Hyderabad
HAL calls Tejas crash isolated
India’s Hindustan Aeronautics Ltd (HAL) said on Monday the crash of a Tejas fighter jet in Dubai last week was an isolated occurrence caused by exceptional circumstances, without providing further details.
1 min
November 25, 2025
Mint Hyderabad
Wipro VC eyes exits, packaged food bets
Wipro Consumer Care Ventures, the venture capital arm of consumer goods major Wipro Consumer Care & Lighting, is looking to cash out of some of its investments from its first fund of ₹200 crore.
2 mins
November 25, 2025
Mint Hyderabad
HOW TO SPOT A WINNING STARTUP IPO
As a flood of new listings burns small investors, we investigate the overlooked metrics
8 mins
November 25, 2025
Mint Hyderabad
REAL ESTATE PLAY: THE END OF INDIA’S BIGGEST TAX HACK
For years, the easiest dinner-table flex in India was a line that began with “You know what I bought that flat for?” and ended with a smug smile. Real estate wasn’t just an investment, it was a moral victory. Hold long enough and inflation would ensure you paid no to minimal tax. All thanks to indexation, a process that adjusts the cost of acquisition for inflation until the year of sale, effectively reducing your capital gains and the tax on them.
3 mins
November 25, 2025
Mint Hyderabad
Micro biz has a harder time securing loan to start up
Bank lending to first-time micro-entrepreneurs has plummeted, signalling tighter credit conditions for small businesses already struggling with cash flow pressures and trade turmoil. In the first six months of the fiscal year, a key central scheme to support such lending managed to sanction just about 12% of what was sanctioned in the entire previous fiscal year, official data showed.
1 min
November 25, 2025
Listen
Translate
Change font size