Samvat 2083 Investment Strategy: How to Build the Ideal Portfolio With Equity, Gold & Debt

In this Diwali special of Money Today, experts Pankaj Mathpal, Founder & Managing Director, Optima Money Managers, Harshvardhan Roongta, CEO, Roongta Securities & Pooja Bhinde , Certified financial planner , PB Investments decode how investors should approach Samvat 2083 and build a balanced portfolio amid market volatility and global uncertainty. The discussion covers equity, debt, gold, silver, mutual funds, REITs and InvITs, along with the importance of asset allocation, diversification and long-term investing. The panel shares insights on continuing SIPs during market corrections, choosing mutual fund categories based on risk appetite, maintaining liquidity and deploying lump-sum investments. They also discuss how investors can rebalance portfolios, avoid chasing recent returns and align investments with financial goals. The experts further share their approaches to allocating ₹10 lakh across asset classes for an 8–10-year investment horizon.