Hi
I am regular investor in MF and PPF schemes. Recently I tried to figure my debt and equity portfolio allocation. I tried to include my PPF, EPF (myself and employer) in debt. With that I got 50% debt allocation as EPF contribution was made regularly for last few months by me and my employer.
Now coming to the actual question. I have read about portfolio balancing and I more or less agree with a heavier equity allocation in younger days. So I wanted to have a 75-25 portfolio in favour of equity. The problem arises whether I include EPF contributions or not in calculating that.
So when they say that keep 25% of your investments in debt; do they (financial advisors) mean to include your EPF as well ? Coz EPF alone fills up my 25% quota. So should I be investing whatever I get in equity alone ?