Sachin Kabra

Mohita from Varanashi

If I have a 15–20 year investment horizon, wouldn’t I be better off putting everything into equity? What is the point of holding lower-return assets like debt or gold?

Ritik from Mumbai

If debt, gold and international equity can underperform Indian equity for years, doesn’t adding them just reduce my overall returns? What am I actually getting in exchange?

Sumit from Pune

I have a financial goal about three years away, but I don’t want the money sitting in a low-return investment. Should I invest some of it in equity and hope for better returns?

Raj from Noida

Most of my income, house and investments are already in India. Is there actually a reason to hold international equity even if Indian markets could outperform global markets?

Sneha from Kochi

If my target allocation changes because equity rallies or crashes, when should I actually rebalance? Should I do it every year or only when allocations move significantly?

Vishal from Hyderabad

Should I maintain a fixed equity-debt ratio and rebalance it myself, or use a dynamic strategy that increases and reduces equity depending on market valuations?

Ashish from Bangalore

My investments are spread across several accounts and products, so I don’t really know my equity-debt allocation. Should I calculate allocation fund-by-fund or look at everything m…