For many years country’s strong inclination towards fixed-income investments like FDs and PPFs has not changed much. This is good, however, slowly things are changing which is not good. The new generation even the generation born in the late 90s and thereafter shifted their inclination from fixed and guaranteed returns to very risky investments like cryptocurrencies and short-term investments like equity intraday / few days holdings or derivative trading.
Nothing wrong with this but the problem comes when the investors put all their eggs in one basket.
You will find people who invest everything in guaranteed return investments and then some who have invested everything into equities and/or derivative trading.
Either of the above is not good.
The right approach is a balance of equity, derivative and debt. 50% of your savings should be in debt, 30% in equities long term and the rest can be used for derivatives/crypto/commodities whatever you want to try.
As you can see if you follow the above approach, 80% of your savings will be safe and generate good returns. In such a situation even if that 20% generate or do not generate any returns you will still be safe.
I hope you will follow this approach. Let me know what approach to investing you follow.
If you want to do safe trading you can do my Conservative Option Course. It will make your derivative section of investments safe due to hedge.
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