Portfolio Allocation in India: How Much Equity, Debt & Gold Should You Really Own?

Portfolio allocation is the real secret to building wealth, not picking the next ₹5 penny stock.In this episode, Raza Jafri breaks down portfolio allocation for Indian investors: how to split your money across equity, debt and gold, how to choose between small cap, mid cap and large cap funds, why herd mentality destroys returns, and how to invest without losing sleep. Whether you are an investing beginner in India, a middle-class family starting a SIP, or planning retirement, this conversation with Shruti Doctor gives you a practical framework for asset allocation in India.You'll learn why the first question shouldn't be "which stock should I buy?" but "why am I investing, and for how long?", how corporate bonds and NCDs compare with fixed deposits, and how to hold gold through ETFs and sovereign gold bonds instead of physical jewellery.