1. 25-yr young earners can easily implement "100 minus age" rule of long-term investment allocation from their first income itself.
2. So 75% of net surplus savings can be allocated to an Equity fund and 25% to PPF, EPF or a Debt fund.
3. During their earning years, they can rebalance them periodically as per their current age and risk appetite.
4. For simplicity, as an alternative, they can opt for a Hybrid Aggressive Fund with its auto-rebalancing mandate, to take care of Equity:Debt allocations, during their earning years as well as their retired lifetime.
2. So 75% of net surplus savings can be allocated to an Equity fund and 25% to PPF, EPF or a Debt fund.
3. During their earning years, they can rebalance them periodically as per their current age and risk appetite.
4. For simplicity, as an alternative, they can opt for a Hybrid Aggressive Fund with its auto-rebalancing mandate, to take care of Equity:Debt allocations, during their earning years as well as their retired lifetime.