Just wanted to add… my portfolio is the 100 percent stock based one in this thread. For my wife I’ve created a portfolio based on
- NCDs(Currently Shriram finance at 8.40 per annum)
- INVITs(Currently India grid at 12 percent per annum)
- REITs(Currently Mindspace and embassy at approx 7 percent per annum)
- ITC( treat it like a debt instrument around 5 percent per annum)
Every quarter or so I take her savings from her business and put it into whichever of these are at a low/offers the best interest rate. Over the year it ends up being 25 percent spread equally among all 4. So half our money is totally safe. Hence why I can take risks with concentrated allocations in companies in my portfolio and I will continue to do so. Felt I had to mention it so that people know that risks are mitigated and don’t try to replicate the same. If there are any similar instruments that I’m missing(like an invit or REIT) do let me know… Cheers