1. If
you want your investments to grow at a high rate for an adequate retirement corpus, you will need to have some
exposure to equities.
2. With
5 years left to retire, invest 20-30% of your portfolio in equity funds and the
rest in short-term debt funds and fixed deposits.
3. With
6-10 years left to retire, invest 40-50% in equity funds, the rest in balanced and
debt funds.
4. With
15 years still left to retire, invest 60-70% in equity through index funds,
diversified and balanced equity funds with aggressive / moderate
risk profiles, and balance in debt funds and Public Provident Fund (PPF).