Gen Z Portfolio Guide: How To Balance Emergency Funds, Investments And Future Financial Security

Gen Z investors need to balance present-day spending with long-term financial security while building their portfolios. Kshitiz Mahajan, Managing Partner & CEO, Complete Circle Wealth, recommends starting with an emergency fund before taking on investments. He suggests targeting around 12–18 months of income as an emergency cushion, built gradually over two to three years. Around 15% of allocation can be directed towards this fund, while at least 20% of monthly income can go towards investments. Depending on their knowledge and time, young investors can consider stocks or other options. The focus should remain on disciplined investing without compromising career or business priorities.