With so much of turmoil in the world and climate changes, it is time Asset Allocation and Diversification is revisited.
My Asset allocation constructs is as follows (India focussed)
Asset allocation
Mutual fund
Equity
Fixed Deposit
Gold/Silver
Real Estate
Mutual Fund
Equity
Large Cap
Mid Caps
Small Caps
Multi Caps
Multi Asset
Index Funds
Sector
Banking Sector
Pharma Sector
Infra Sector
IT Sector
Debt
Corporate bonds
Liquid Funds
Arbitrage Funds
One may want, if required, a global diversification which can be done for Europe, China, US or Emerging markets with dedicated mutual funds (As of 2026 due to govt. regulation, the funds are blocked from investing abroad.
