Beyond mutual funds: How should you really diversify?

Financial educator Mrin Agarwal of Finsafe India outlined a broader approach to portfolio diversification beyond mutual funds. For long-term investors, she suggested maintaining at least 30% exposure to equities, while allocating the remainder across debt and gold to balance risk and returns. Agarwal also urged investors to look beyond headline yields when evaluating products such as high-yield corporate bonds and REITs, noting that actual returns after costs can be significantly lower. She said portfolio management services (PMS) make sense only if they offer genuine diversification, and highlighted GIFT City global funds as one of the most promising investment themes she is watching closely. Disclaimer: This article is for informational purposes only and should not be construed as investment advice. Readers should consult certified experts before making any investment decisions.