SGB Analyzer

Example Portfolio

Aggressive Portfolio for Young Investors

Example allocation maximizing long-term growth

Risk Level

Aggressive

Time Horizon

20+ years

SGB Allocation

Investment Range

₹5-30 lakhs

This is a hypothetical example for educational purposes only. It is NOT investment advice. Please consult a SEBI-registered advisor before investing.

**Aggressive Portfolio Philosophy**

Young investors with long time horizons can afford higher risk for potentially higher returns. This example portfolio: - Maximizes equity exposure for growth - Maintains small gold allocation as crisis hedge - Accepts short-term volatility for long-term gains

**Role of SGBs:** Even in an aggressive portfolio, 5-10% gold acts as "portfolio insurance" during market crashes. SGBs are preferred over physical gold for interest income and convenience.

Who This Portfolio Is For

Investors aged 25-35
Those with 20+ years to major goals
High risk tolerance investors
Wealth creation focused

Portfolio Allocation

70%

15%

Equity - Direct Stocks / Mutual Funds

70%

Aggressive growth through equity

Small-cap fundsMid-cap fundsDirect stocks

International Equity

15%

Geographic diversification

US index fundsInternational funds

Sovereign Gold Bonds

Crisis hedge and diversification

Buy highest discount SGBs

Debt / PPF

Minimal but present for stability

PPFEPF contributions

Crypto / Alternatives

High-risk, high-reward allocation

BitcoinEthereum (only if comfortable)

SGB Allocation Strategy: 5%

5% in SGBs as portfolio insurance and diversification

Recommended approach: Buy at maximum discounts, long-term hold

Investment Rationale

Long horizon allows maximum equity exposure

Small gold allocation hedges extreme events

Time to recover from market downturns

Compounding benefits from early investing

Can take calculated risks

Rebalancing Tips

Rebalance annually
Don't panic sell in market crashes
Increase debt allocation after age 35
Gradually shift to balanced portfolio over time

Important Disclaimer

**IMPORTANT DISCLAIMER:** 1. This is a hypothetical example portfolio for EDUCATIONAL PURPOSES ONLY. 2. This is NOT investment advice and NOT a recommendation to buy or sell any securities. 3. Example allocations may not be suitable for your individual financial situation. 4. Past performance of any asset class does not guarantee future results. 5. All investments carry risks including potential loss of principal. 6. Please consult a SEBI-registered investment advisor before making investment decisions. 7. Your actual portfolio should be based on your personal financial goals, risk tolerance, time horizon, and overall financial situation.

Related Portfolio Examples

balanced middle aged wealth building

Calculate Your SGB Returns

Use our calculator to estimate your potential returns based on investment amount and holding period.

Frequently Asked Questions

Even 5% gold significantly reduces portfolio volatility during crashes (2008, 2020, etc.). It's insurance, not return optimization. Gold often rises when equities crash.

You can, but it increases drawdown risk in crashes. Even legendary investors like Ray Dalio recommend some gold allocation for portfolio resilience.

For 20+ year horizon, SGB's 2.5% interest compounds significantly. Tax-free maturity adds value. The 8-year lock-in is less concerning with long horizons.

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