Have ₹5 lakh to invest in FY25? You may explore these investment opportunities

livemint.com:

redeployment of funds, one would require more funds. Let us suppose you get access to an additional ₹5 lakh to invest in fiscal 2025, where all, do you think, this money could be invested? We spoke to a few experts to get a sense of the available investing opportunities for a lay investor early this fiscal.

We condense the learnings we drew from them here: One expert suggests that one way to invest ₹5 lakh is to top up the existing portfolio, and another one is to diversify this sum into multiple assets such as equity, debt and fixed income instruments. This can be done by investing the capital into multi-asset funds.

“If you are an existing investor and you have ₹5 lakh to invest at the beginning of the year, there are two things you can do: one, add to the portfolio that you already have. And two, you can invest this money into multi-asset funds, which give you an exposure to multiple assets with just one fund.

They give you exposure to more than 3 to 4 assets with just one fund," says Santosh Joseph, Founder, Refolio Investments and Germinate Investor Services. ALSO READ: Don't sabotage your FY25 portfolio! Avoid these 5 mutual fund mistakes However, if you are building a new portfolio then you can invest about 40 percent into fixed income, another 40 percent into equities, (flexi cap or a multi cap fund) and remaining 20 percent in multi asset funds to gain exposure to equity, fixed income, global stocks and precious metals such as gold, adds Joseph.

Another financial expert Gaurav Goel, a Sebi-registered investment advisor (RIA) told Livemint that the hypothetical investor can invest this ₹5 lakh into a basket of stocks and mutual funds to hold them for a minimum of 3 to 5 years. “I would ideally split this ₹5 lakh