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Why spreading investments across assets protects your wealth.
Imagine investing ₹10 lakhs only in stocks. Market crashes 20%. You lose ₹2 lakhs.
Now imagine: ₹5L in stocks, ₹3L in bonds, ₹2L in gold.
Same crash happens:
Stocks down 20% = -₹1L
Bonds up 6% = +₹18K
Gold up 10% = +₹20K
Net loss? Only ₹62,000. Much better!
This is diversification - spreading risk across different assets.
Asset classes:
→ Equity (growth)
→ Debt (stability)
→ Gold (inflation hedge)
→ Real estate
Age-based rule:
30s: 70% equity, 20% debt, 10% gold
50s: 40% equity, 45% debt, 15% gold
Don't chase returns. Protect your wealth first!
Calculate your potential returns and plan your investments
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