Balancing risk and reward: A hybrid approach to your retirement savings
Mint Mumbai|November 21, 2024
I'm 42, with a moderate investment approach. I am looking to build a diversified portfolio using BAFs or MAFs. With around 18 years to retirement, a 10% return target and focus on downside protection, can you recommend hybrid funds I can invest in, how many, and what structure aligns with my goals?
Harshad Chetanwala

Considering your moderate risk appetite, your preference towards protecting the downside is natural. Considering you have 18 years to retirement, which is long-term from all perspectives, you can consider a combination of BAFs and aggressive hybrid funds to generate better risk-adjusted return for your portfolio.

BAFs or dynamic asset allocation funds will help you to restrict the exposure to any particular asset class and the fund manager will be able to navigate through different market cycles.

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