Samvat 2081: Looking to diversify your portfolio? Here’s how you can seize high-growth opportunities with SIPs, MFs | Stock Market News

Samvat 2081: With the onset of the auspicious Vikram Samvat 2081, investors are looking to tap into high-growth opportunities for wealth creation and asset management. Experts suggest investors build a diversified portfolio for the new Hindu financial year to seize maximum returns and lower risk with various trading instruments. Analysts say that as markets embrace Samvat 2081, investors have a “remarkable chance to reshape their financial journeys” amid a dynamic and evolving economic landscape.

According to experts, the 12-month Samvat 2081 period and the Muhurat Trading session on Friday are steeped in tradition that promises prosperity. It is an ideal time to reassess one’s investment strategies and adopt new instruments that align with India’s high-growth potential in transformative sectors such as defence, green energy, technology, and financial services.

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In today’s market, diversification is essential. “This Samvat, let’s align our financial goals with India’s growth trajectory, seeking out opportunities that not only promise prosperity but also contribute to a more sustainable future,” said Vivek Goel, Joint MD, Tailwind Financial Services. According to Goel, mutual funds, SGBs, gold ETFs, and REITs are some instruments investors can utilise for high-growth scope in the next 12 months.

Samvat 2081: Instruments to diversify your portfolio

Mutual Funds

Mutual funds, particularly thematic funds in infrastructure, technology, and renewable energy, offer a balanced, straightforward way for investors at any stage to benefit from long-term growth trends. “Index funds like Nifty 50 and Sensex also provide an accessible and low-cost route to capitalize on India’s top-performing companies, especially suited for passive investors aiming for consistent returns,”  said Vivek Goel, Joint MD, Tailwind Financial Services.

According to Goel, customized strategies through Portfolio Management Services (PMS) and Alternative Investment Funds (AIF) unlock advanced opportunities for high-net-worth investors, particularly in private equity and venture capital, where emerging trends can be harnessed effectively.

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SGBs, Gold ETFs, REITS

With steady interest rates, fixed-income securities and debt mutual funds offer stability and regular income. At the same time, investments in gold and silver remain cherished for their cultural significance and role as hedges against inflation and volatility. Sovereign Gold Bonds (SGBs) and Gold ETFs also provide tax-efficient, accessible ways to hold precious metals.

Real estate endures as a valued investment, particularly through Real Estate Investment Trusts (REITs). REITs allow investors to benefit from India’s growing commercial real estate sector without the complexities of ownership. In terms of an investment instrument, REITs are similar to mutual fundsand allow investors to participate without buying or managing property.
 

Top sectors, ESG funds

Investing in blue-chip stocks remains a popular, reliable choice that balances stability and growth. Leading sectors such as banking, FMCG, and consumer goods consistently show resilience. At the same time, growth stocks in renewable energy, fintech, and healthcare offer exciting potential for those exploring mid-cap and small-cap options.

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“Finally, India’s green energy transformation holds great potential. Solar, wind, and EV infrastructure companies are well-positioned to thrive, as are ESG-focused funds and new-age investments in startups and digital assets for investors with a higher risk tolerance,” said Goel of Tailwind Financial Services.
 

SIPs

Experts say mutual funds are the best option for enhancing one’s portfolio to help you meet your financial goals. “With Diwali approaching, it’s an ideal time to reflect on your financial goals and consider investing in Systematic Investment Plans (SIPs). Particularly in small-cap and mid-cap mutual funds, SIPs can help you build significant wealth over the long term if you’re prepared to embrace some level of risk, ” said Swapnil Aggarwal, Director, VSRK Capital.

Starting early in one’s career gives you the advantage of time. By consistently allocating 20-25 per cent of the monthly income into SIPs, one can tap into the growth potential of small and mid-cap funds, which historically offer a CAGR of 15-18 per cent. The disciplined approach can lead to substantial wealth accumulation over a span of 10, 15, or even 20 years. Although small-cap investments are riskier, they present immense potential for long-term wealth creation.

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While inherently riskier, the small-cap and mid-cap sectors are well-suited for long-term investors looking to generate significant returns. These funds are expected to outperform others in the coming decade, making them attractive for those with a higher risk tolerance. They can be powerful vehicles for achieving long-term financial goals, such as retirement or other major life milestones.

“However, while focusing on high-growth small-cap funds, it’s wise to maintain a diversified portfolio that includes large-cap and mid-cap funds. This strategy can help balance your risk profile, ensuring stability and minimizing potential losses during market downturns. When selecting mutual funds, prioritize those with a proven track record of consistent performance over 5-10 years and look for options with low expense ratios to maximize your returns,” said Aggarwal.

Disclaimer: The views and recommendations provided in this analysis are those of individual analysts or broking companies, not Mint. We strongly advise investors to consult with certified experts before making any investment decisions, as market conditions can change rapidly and individual circumstances may vary.