It’s great that you have started out well in time to build up investments for your children and your retirement. The choice of funds, however, needs tweaking. You need to have a diversified set of funds so that you are able to tap different opportunities that the markets throw up. You also need to introduce some debt or low-risk investments to reduce the impact of volatility that equity markets bring.
I have Rs 12 lakh in surplus. Should I prepay my home loan or invest for monthly income of Rs 25-30k?
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