Therefore, I tend to conclude the following. Portfolio allocation policy should not be strictly based on your age. It is prudent to have your interest, maturity, risk taking ability and investment horizon decide your allocation methodology. Your surplus money after meeting all commitments in personal and family life is to be taken as the base. (For many people this amount goes in negative. But still venture to invest in stocks) Maximum up to 75 per cent of this sum can be directed to equities and the rest is recommended to be parked in stable liquid assets from which you might anytime be able
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