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I Recently Received a ₹50 Lakh Windfall. How Should I Invest It?
Mint Chennai
|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.
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 optimize risk-adjusted returns by thoughtfully diversifying your portfolio.
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