I would like to know when I am considering 70:30 equity: debt investment ratio, should I take into account debt investments like EPF, PPF, Sukanya Samriddhi Account, etc? or is it excluding them only limiting to MFs?
Thanks & Regards
Yes, such schemes also be part of your debt portfolio for any goals. But make sure that tenure of such products must match your financial goals. Like if your goal is 15 years long, then you can start PPF investment. If it is 10 years, then it is no use to invest in PPF. Linking tenure to each investment is must (whether it is debt or equity).