What should be the ideal portfolio
Here is a look at what three financial advisors have to suggest about equity options

Rahul Mantri, Chief Financial Planner, Midas Touch
*Smart money still prefers equity as an asset class but has chosen to be conservative within the asset class

*New investors who wish to enter the market at this point of time may choose to invest 40 to 50 per cent of their portfolio in open ended accrual debt funds or floating rate funds. The remaining 50 to 60 per cent can be deployed in pure diversified equity funds

*Investors may also increase or decrease their allocation towards equities once the cloud of uncertainty is cleared following the next general elections

Suresh Sadagopan, Founder, Ladder7 Financial Advisories
*Young and aggressive investors of 35 years of age can look to invest 70 per cent of their portfolio in equities and 30 per cent in fixed income securities. Within the equity component, 40 per cent can be in large and large and mid-cap segment, 25 per cent can be in multi-cap, 20 per cent in mid-caps, 15 per cent in small-caps

*Investors over 50 years of age can have equity to debt ratio of 60:40. This is for those who can still bear risk. The equity component can be large cap oriented funds – 40 per cent; balanced funds – 15 per cent; multi-cap funds – 20 per cent ; midcap funds –15 per cent; small cap funds – 10 per cent.

*One needs to analyse the personal situation, taxation, income needs, liquidity etc and tailor a portfolio to suit their needs

Rajesh Iyer, Chief Executive Officer, DHFL Pramerica AMC
*Real estate exposure through Portfolio Management Services (PMS)

offerings, smart money is betting on this opportunity of growth over the next decade

*Equity markets are witnessing a tug of war between worsening macros and improving micros. Investors should use opportunities provided by the market to add exposure to quality oriented portfolios

*Fixed income portfolio should have short term and accrual funds