SGB Analyzer

Example Portfolio

Wealth Building Portfolio

Example allocation for long-term wealth creation

Risk Level

Moderate

Time Horizon

15-20 years

SGB Allocation

10%

Investment Range

₹10-50 lakhs

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

**Wealth Building Portfolio Philosophy**

A well-diversified portfolio for systematic wealth building: - Balanced across equity, debt, and gold - Regular contributions through SIP approach - Rebalancing discipline - Goal-aligned investing

**Role of SGBs:** SGBs anchor the gold allocation providing interest income, government safety, and tax-free maturity potential - all important for wealth building.

Who This Portfolio Is For

Investors aged 30-45
Building corpus for major life goals
Those wanting balanced growth
First-time portfolio builders

Portfolio Allocation

50%

25%

10%

Equity Mutual Funds

50%

Primary growth engine

Large capFlexi-capIndex funds

Debt Mutual Funds / PPF

25%

Stability and tax efficiency

PPFShort duration funds

Sovereign Gold Bonds

10%

Gold allocation with benefits

Diversified SGB series

International Equity

10%

Global diversification

US index funds

Emergency Fund

Liquidity buffer

Liquid funds

SGB Allocation Strategy: 10%

10% in SGBs as core gold allocation

Recommended approach: Buy at discounts via SIP approach, hold to maturity

Investment Rationale

Diversification reduces risk

All major asset classes represented

Balanced risk-reward profile

Suitable for various market conditions

Easy to maintain and rebalance

Rebalancing Tips

Rebalance annually to target allocation
Use new investments to rebalance when possible
Increase debt allocation as goals approach
Review and adjust goals periodically

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 aggressive young

Calculate Your SGB Returns

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

Frequently Asked Questions

10% is a common recommendation for diversification benefit. You can go up to 15% if you're more bullish on gold or want more defensive portfolio.

Unlike mutual fund SIP, SGB SIP is manual. Buy from secondary market monthly, targeting best-value series. See our SIP Strategy guide for details.

Annually is typical. Also rebalance if any allocation drifts more than 5% from target. Use new investments and SGB maturities as rebalancing opportunities.

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