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I recently received a ₹50 lakh windfall. How should I invest it?
Mint Mumbai
|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?
- Name withheld on request.
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.
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