Why Gen Z & Affluent Investors Are Exploring SIFs | Smart Portfolio Strategy Explained

SIFs (Specialised Investment Funds) are gaining interest, especially among younger and digital-first investors. But are they suitable for everyone? In this discussion, the focus is on building the right investment core first through long-term SIPs linked to financial goals. SIFs generally come into the picture only after that core is established, as they require a higher minimum investment and are better suited for investors with additional surplus funds. Affluent investors and experienced professionals are using SIFs as a satellite allocation tool to enhance risk-adjusted returns over a 2–3 year horizon. For new investors or Gen Z starting their careers, the message is clear: set your foundation first, then explore SIFs.