Asset Allocation Strategies - Pros and Cons

In this video, we discuss various asset allocation strategies.
Chapters:
0:30 Agenda
1:19 Do you need Asset Allocation?
6:20 What are some of the traditional ways for Asset Allocation?
10:50 Optimizing your Asset Allocation
14:30 Goal based Asset Allocation
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[@wagle008]

I liked the 100% in equity advice for the common problems. I was in the common problems bucket a couple of years ago and had followed a similar strategy to come out of it

[@desifirepodcast]

Glad you were able to do it so soon. Thought it would take longer.

[@wagle008]

@@desifirepodcast My equity allocation was slightly less than 25%. Putting all my new savings into equity helped me increase it.

[@pratikjaiswal5764]

Good video on optimising asset allocation

[@sharathkumar9490]

Good the pip is moving and not blocking the presentation

[@desifirepodcast]

Yes, thanks

[@ambarish92]

Hmm my father passed away and all responsibilities shift on me. I am 32. So I have a house at Village which would be ~60-70lakhs, a plot which is ~16 lakhs. Fixed deposit around 15 lakhs. Gold 0 as all in form of Jewellery. I started putting 50k per month SIP in mutual funds (100% equity) 2 months back. Not planning to change anything and do this for the next 12-13years with step up as and when salary increases with time. Hope to make a good corpus and hope that I am going right 😊

[@desifirepodcast]

I think you are on the right track. Best of luck.

[@dnyaneshmugurdekar3161]

Nice video sir.
Had read the asset allocation posts by capitalmind last year. Trying to do allocation based on that and even I thought textbook is best considering the risk and reward points. Also I kind of disagree with you on one point though of 5+ years money in equity but to each to their own as personal finance is more personal than finance. Keep up the good work and please post more videos. Thanks in advance

[@desifirepodcast]

Will try to be more regular. But I am lazy :)

[@shovan3112]

Excellent Video Ravi Sir. Great going...

[@desifirepodcast]

Glad you liked it.

[@rishabhmishra8798]

Nice one Handa Sahab!

[@desifirepodcast]

Glad you liked it.

[@bharat5961]

Great video Ravi.

[@desifirepodcast]

Glad you liked it!

[@nishujain9876]

Hi Ravi,
I watched your previous video where you shared your own asset allocation and how you have planned it. And I really loved that method, so much so that I am planning to incorporate that in my planning too.
There is one more variable which I dont have clarity about and thought to check with you. After FIRE, when your income from work ( working income) is zero and you only have passive income (planned as FIRE) then how do you pay taxes on them ?
Is this passive income treated as normal income that if we have passive income of 7.5L Rs then as per new regime, dont pay any taxes. Or how does that work?

[@desifirepodcast]

Short answer - capital gains and interest income. You pay taxes accordingly.
Long answer - will make a video

[@nishujain9876]

@@desifirepodcast Thank you. As I need more info.
pay taxes accordingly ? Like how is your tax slab calculated when all your income is capital gains and interest income.

[@roshniramnani4539]

Nice and practical!

[@desifirepodcast]

Thanks

[@pamitanand]

Always on point

[@desifirepodcast]

Thanks

[@I_agree_with_you]

Very good advice

[@desifirepodcast]

Glad you think so!

[@ashutoshdeosthali1486]

Thanks man

[@desifirepodcast]

You're welcome!

[@desertstorm04]

nice 🙏

[@desifirepodcast]

Thank you! Cheers!

[@ManjeetKumar-jd9no]

SIR

[@ravindramitra8346]

यह वीडियो हिन्दी में होने चाहिए।

[@desifirepodcast]

Agli baar try karoonga.