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What kind of an investor are you?
Published On , 22 Aug 2017 By Business Line
Investments are not about the asset you invest in. They are about you. So, find out what your investor traits are:
THE PERFECT BLEND
TRAITS: You balance risk and returns by investing in Debt and Equity assets. YOU ARE A: Balanced investor. You accept some Equity exposure with low risk. WHAT YOU STAND TO LOSE: Despite having a well-diversifi ed portfolio, you could lose out on returns in the long run.
TRAITS: You assume substantial risk to grow your wealth. You invest majorly in equities. YOU ARE A: Aggressive growth investor. You seek attractive returns. WHAT YOU STAND TO LOSE: Too much shortterm Equity exposure can put your capital at risk.
PLAYING IT SAFE
TRAITS: You stay away from risk and rebalance your portfolio regularly. You invest mainly in Debt Securities. YOU ARE A: Conservative investor. You try to avoid risk. WHAT YOU STAND TO LOSE: Low-risk investments like Fixed Deposits (FDs) may not help you grow wealth.
TRAITS: You assume a little risk and are satisfi ed with nominal returns. You invest mainly in Fixed- Income Securities like FDs, Bonds, and Debt Funds. YOU ARE A: Defensive investor. All you want is peace of mind. WHAT YOU STAND TO LOSE: Your investments give moderate returns but are not enough to grow your wealth.
You follow the ‘Wherever you go, we follow’ mantra. You base your portfolio decisions on what others say or do. RISK AND RETURN: This can be risky as independent reasoning is crucial. You might not invest in a way that suits your unique Goals or risk appetite.
You base your investment decisions on careful study and analysis. You research religiously before investing. RISK AND RETURN: You may benefi t from market fl uctuations. Consider offl oading your tasks to an expert Mutual Fund (MF) manager too.
THE ADVENTUROUS SOUL
You look for new and diff erent investment options. Your investment portfolio holds many diff erent tools. RISK AND RETURN: Before investing, weigh the risk and returns of each option. Ensure that it fi ts your needs.
THE PROTECTED ON
Investment-linked and other insurance policies dominate your portfolio. You believe insurance is an investment. RISK AND RETURN: Investment-linked insurance often generates lower returns than other investment options. A pure-protection term insurance is cheap and supports you during a fi nancial crisis.
You invest as and when you fancy. Or, you invest whatever little you have left at month-end. You do not follow an investment plan. RISK AND RETURN: If you are lucky, you might get good returns. But not having a well-defi ned investment plan can cost you in the long run. What next?
ALL THE WORLD’S A STAG
You look beyond geographical boundaries while investing. You invest in assets around the world. RISK AND RETURN: You diversify your risk across countries and continents. But too much exposure can be risky.
Your investment portfolio comprises mainly Gold and Real Estate. You avoid paper-based investments like Stocks and MFs. RISK AND RETURN: Gold and property prices have not grown in the past few years. So, your returns are safe but could be limited. Build a wellbalanced portfolio through MFs.
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