SGB Analyzer

Example Portfolio

Balanced Portfolio for 40-50 Year Olds

Example allocation balancing growth and stability

Risk Level

Moderate

Time Horizon

10-15 years

SGB Allocation

10%

Investment Range

₹30-100 lakhs

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

**Balanced Portfolio Philosophy**

This example portfolio suits investors in their peak earning years who need: - Growth to build retirement corpus - Some stability as retirement approaches - Diversification across asset classes - Inflation protection for long-term goals

**Role of SGBs:** SGBs in this portfolio serve as a non-correlated asset that hedges against equity volatility while providing guaranteed interest. The 8-year tenure aligns well with 15+ year investment horizons.

Who This Portfolio Is For

Working professionals aged 40-50
Those with 15+ years to retirement
Investors seeking growth with moderation
Wealth accumulation phase investors

Portfolio Allocation

50%

25%

10%

Equity Mutual Funds

50%

Core growth engine of the portfolio

Index fundsFlexi-cap fundsMid-cap funds

Debt Mutual Funds / PPF

25%

Stability and tax-efficient returns

PPFCorporate bond fundsTarget maturity funds

Sovereign Gold Bonds

10%

Gold exposure with interest income

Multiple SGB series for diversification

Real Estate / REITs

10%

Physical asset diversification

REITsReal estate if already owned

Emergency Fund

3-6 months expenses

Liquid funds

SGB Allocation Strategy: 10%

10% in SGBs for diversification and inflation hedge

Recommended approach: Buy at discount, hold to maturity for tax-free gains

Investment Rationale

Higher equity for wealth accumulation

Gold provides diversification and crisis hedge

Debt allocation for stability

Long horizon allows riding out volatility

Tax-efficient instruments preferred

Rebalancing Tips

Rebalance annually or when allocation drifts 5%+
Increase debt allocation gradually towards retirement
Use SGB maturities to rebalance if needed
Review risk tolerance as you age

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

aggressive young conservative retiree

Calculate Your SGB Returns

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

Frequently Asked Questions

At this life stage, growth (equity) is prioritized. 10% gold provides diversification benefit without significantly dragging returns. Increase as you near retirement.

Generally yes. As you approach retirement (55+), consider increasing gold/SGB allocation to 15-20% while reducing equity exposure gradually.

SGBs offer 2.5% extra interest and tax-free maturity (for original subscribers). Gold funds offer better liquidity. For 10+ year holding, SGBs typically outperform.

View Real-Time SGB Prices

Track all 70+ SGBs with live prices, discounts, yields, and more. Updated every few minutes.