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Conservative Investor

Have a higher debt allocation in your portfolio to mitigate risks

I want to invest Rs 1 crore, to achieve more than eight per cent returns and safety for three years
- Rathnesh Rao

You seem to be conservative with your expectation on investment returns. We understand your apprehensions about the markets at the moment and the concerns are valid. A safe way to approach your situation is to allocate 80-85 per cent of the Rs 1 crore in a 3-year fixed maturity plan (FMP), with the remaining invested in a large-cap mutual fund through SIPs over a 2-year period. You can opt for DSP BlackRock Top 100 equity or IDFC Imperial Equity Plan A for the large-cap funds.

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