Majority of investors make the mistake of over-diversification by investing in too many asset classes.

Dear Readers,

When it comes to investing, majority of investors make the mistake of over-diversification by investing in too many asset classes including gold, fixed deposits, stocks and property.

However it is almost impossible to predict how these above mentioned assets will perform in the long run.  

Gold has given moderate returns in the last decade and its price increases usually when the stock markets and economy is down. 

Fixed deposits are subject to falling interest rates which again depends on RBI's repo rates.  As a country develops the interest rates fall as seen in the case of developed countries like US, UK, Canada, Switzerland etc. where interest rates are in decimals.

Stocks are subject to market volatility which makes it very difficult to estimate the kind of returns it can generate in future. In the event of another 2008 like global recession or another Covid-19 like pandemic in future stock markets will crash badly. Imagine if you wanted the money in that particular year for some specific financial goal like child's higher education or marriage what will happen.

Property investment has become stagnant in last five years post demonetization and implementation of RERA regulations. The significant runup seen in property prices between 2003 to 2015 may never be seen again.

So irrespective of whether you are investing in any other assets or not, you should defiinitely invest in assets like LIC Jeevan Shanti and Jeevan Umang where you can be 100%  sure of the returns you will get for lifetime at the time of investing itself.

With Regards,
PARINITA SHARMA
💰Financial Advisor
📞+91-7003729563

🌐www.parinitasharma.com

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