Investor Profile - Middle Age Couple with 15 year Kid.
Financial Goals
Providing for Children Education in next 5-10 years.
Planning for Child’s Wedding. (15- 20 years)
Planning for retirement.
Investment Strategy
Short Term
20%
Bonds
30%
Equity
50%
The investor’s responsibilities increase at this stage. At this point of time investor cannot take too much of risk but he want appreciation of his capital too. At this stage an average portfolio will be the combination of various asset classes. There will be a combination of equity, debt and money market funds in your portfolio.
At this point a shift from equities to debt should be done in a slow and gradual progression. With balanced funds ( combination of debts and equities) claiming the highest stake in it. It simply start making sense to Invest in debt related Instrument. As you go to your middle age you become more n more cautious towards your investments. Thus the habit of an investor will change to preserving rather than creating.
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