If you are investing your first salary or just getting started in your 20s, one question will keep coming up. How much should you put into equity and how much into debt? In simple terms, what should your asset allocation be?

Every financial planner begins with this question because asset allocation often matters more than picking the perfect fund or stock. But there is no one-size-fits-all answer. The right mix depends on your income, expenses, goals, and risk appetite. So how do you find the allocation that works for you? Getting the mix right

The most basic form of asset allocation is 50:50, as in investing 50 percent of one’s portfolio in stocks and the rest in fixed income instruments. This ensures that the portfolio gets a kicker from equity returns, and at the same time enjoys the

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