🏦 Top ETFs
Equity
Nifty 50 ETF
Large Cap Index
1Y Return+18.4%
Equity
Nifty Next 50
Large-Mid Index
1Y Return+22.1%
Gold
Gold BeES
Commodity
1Y Return+14.8%
Debt
Liquid BeES
Liquid Fund
1Y Return+7.2%
International
Nasdaq 100
US Tech Index
1Y Return+31.5%
Equity
Bank Nifty ETF
Sectoral Banking
1Y Return-3.2%
📂 Mutual Fund Categories
🏢
Large Cap
Stable blue-chip companies. Lower risk, steady growth.
Avg 3Y: +14.2%
🚀
Mid Cap
High growth potential. Medium-high risk profile.
Avg 3Y: +21.8%
🌱
ELSS (Tax Saving)
80C benefit up to ₹1.5L. 3-year lock-in period.
Avg 3Y: +16.5%
🛡️
Debt Funds
Low risk, stable returns. Better than FD post-tax.
Avg 3Y: +7.4%
⚖️ Asset Class Comparison (10 Year CAGR)
| Asset Class | 10Y CAGR | Risk | Liquidity | Performance |
|---|
| 📈 Equity (Nifty 50) |
13.8% |
High |
High |
|
| 🏠 Real Estate |
8.2% |
Medium |
Low |
|
| 🥇 Gold |
11.4% |
Medium |
High |
|
| 🏦 Fixed Deposit |
6.2% |
Low |
Medium |
|
| 🔒 PPF |
7.1% |
Very Low |
Very Low |
|
| ₿ Crypto (BTC) |
42.0% |
Very High |
High |
|
🥧 Suggested Asset Allocation
💡 Investment Principles
📅
Start Early
₹5,000/month for 30 years at 12% = ₹1.76 Crore. Same for 20 years = ₹49 Lakh. Time is your biggest asset.
🔄
Stay Consistent
Don't time the market. SIPs in down markets buy more units — rupee cost averaging works in your favor.
📊
Diversify
Never put all eggs in one basket. Mix equity, debt, gold and international for a resilient portfolio.