Client: A Small Business Owner, aged 45 

Challenge: The client wanted to diversify his savings beyond traditional fixed deposits and was looking for higher returns but was concerned about market volatility and risk exposure.

Solution: Garg Financial Services designed a balanced portfolio for the client, combining equity and debt mutual funds. The portfolio was aligned to his risk appetite, with a 60:40 equity-to-debt ratio. Additionally, he invested in a SIP to build wealth steadily.

Results:  Over 4 years, the client saw an overall portfolio return of 11% per annum, significantly outperforming his previous fixed deposit returns. 

– The debt funds provided stability during market downturns, while the equity funds captured growth during market upswings. 

– He now has a well-diversified portfolio and has since increased his SIP contribution to accelerate wealth accumulation.

Key Takeaway: A balanced mutual fund portfolio allows individuals to capture market growth while mitigating risk, offering a superior alternative to traditional savings instruments.