SGB Analyzer

Example Portfolio

Conservative Portfolio for Retirees

Example allocation prioritizing safety and income

Risk Level

Conservative

Time Horizon

5-10 years

SGB Allocation

15%

Investment Range

₹20-50 lakhs

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

**Conservative Portfolio Philosophy**

This example portfolio is designed for retirees who prioritize: - Capital preservation over aggressive growth - Regular income for living expenses - Inflation protection through gold exposure - Government-backed safety

**Role of SGBs in this portfolio:** SGBs provide inflation hedge through gold exposure while offering 2.5% guaranteed interest income. The government backing adds safety - important for retirees.

**Note:** This is an illustrative example, not a recommendation.

Who This Portfolio Is For

Retirees aged 60+
Risk-averse investors
Those prioritizing capital preservation
Investors seeking regular income

Portfolio Allocation

40%

25%

15%

10%

Fixed Deposits / Senior Citizen Savings

40%

Stable, guaranteed returns with high safety

Bank FDsSCSSPost Office schemes

Debt Mutual Funds

25%

Better tax efficiency than FDs, moderate risk

Short duration fundsCorporate bond funds

Sovereign Gold Bonds

15%

Inflation hedge with 2.5% interest

Laddered SGB portfolio across maturities

Large Cap Equity / Index Funds

10%

Limited growth exposure for long-term

Nifty 50 index fundLarge cap mutual funds

Emergency Fund (Liquid)

10%

6-12 months expenses in accessible form

Liquid fundsSavings account

SGB Allocation Strategy: 15%

15% in SGBs for inflation protection and steady interest income

Recommended approach: Laddering strategy with maturities every 2-3 years for liquidity

Investment Rationale

High fixed income allocation for stable returns

Gold (SGBs) provides inflation hedge without storage hassles

Minimal equity exposure reduces volatility

Government-backed instruments for safety

Regular income through interest/dividends

Rebalancing Tips

Review portfolio annually
As SGBs mature, decide to reinvest or use for expenses
Reduce equity if markets rally significantly
Maintain emergency fund at all times

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 income focused

Calculate Your SGB Returns

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

Frequently Asked Questions

Retirees typically need regular income and liquidity. SGBs have 8-year tenure and limited liquidity. 15% provides inflation hedge without locking too much capital.

Since RBI discontinued primary issues (Feb 2024), secondary market is the only option. Buy at discount for better value. Tax-free maturity only applies to original primary subscribers.

You can sell on stock exchanges anytime. However, you may get less than fair value. The laddering strategy helps by providing periodic maturities.

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