M∞ / Asset Classes

Every asset class.
Nothing overlooked.

From agricultural land to sovereign gold bonds — 12 categories, all included in your blueprint.

Real Estate
Immovable Asset
Residential plots, agricultural land, commercial spaces, and REITs — with Tier-1, 2, and 3 city guidance.
Residential plots (Tier-2 cities)
Commercial office space
Agricultural / NA land
REITs (listed, liquid format)
Fractional ownership platforms
Typical Allocation
15 – 35%
Medium Risk
Equities
Movable Asset · High Growth
Stocks and equity funds, sized to your risk profile — from Nifty 50 index exposure to mid- and small-cap baskets.
Nifty 50 Index Funds
Mid-cap & Small-cap baskets
Sectoral / Thematic ETFs
Direct large-cap blue chips
Typical Allocation
10 – 40%
High Risk
Gold
Inflation Hedge
The bedrock of Indian wealth preservation — Sovereign Gold Bonds, ETFs, and physical gold.
Sovereign Gold Bonds (2.5% interest + price)
Gold ETFs (Nippon, SBI Gold BeES)
Physical gold / jewellery
Digital gold
Typical Allocation
5 – 15%
Low Risk
Fixed Deposits
Capital Safety
India's most trusted instrument. We ladder across 1Y, 3Y, and 5Y tenures for better rates and liquidity.
Laddered FDs — SBI, HDFC, ICICI
Small finance bank FDs (higher rates)
Corporate FDs (selective AAA only)
RBI Floating Rate Savings Bonds
Typical Allocation
5 – 25%
Low Risk
Bonds
Fixed Income
Government securities and tax-free infrastructure bonds — predictable yield that offsets equity volatility.
Government Securities (G-Secs)
NHAI / IRFC Tax-free Bonds
AAA Corporate Bonds
RBI 7.75% Savings Bonds
Typical Allocation
5 – 20%
Low Risk
Mutual Funds
Managed Diversification
ELSS for tax saving, hybrid funds for balance, debt funds for stability — managed exposure across risk bands.
ELSS (tax-saving, 3-year lock-in)
Hybrid / Balanced Advantage Funds
Index funds (passive, low-cost)
Flexi-cap funds
Debt / Liquid funds for parking
Typical Allocation
10 – 30%
Medium Risk
International
Currency Hedge
A hedge against rupee depreciation, via Indian feeder funds — no overseas account needed.
Motilal Oswal S&P 500 Fund
Edelweiss US Technology ETF
Global equity feeder MFs
Typical Allocation
5 – 15%
Medium Risk
Alternatives
Premium Yield
REITs, InvITs, and curated P2P lending — sized small, used strategically, not for core allocation.
Nexus Select Trust REIT
IndiGrid InvIT
P2P Lending (Grip, LendenClub)
Structured notes (corpus > ₹50L)
Typical Allocation
2 – 10%
Medium Risk
Quick Reference

Asset class
at a glance.

Asset ClassLiquidityRiskExpected ReturnTax TreatmentMin Entry
Real EstateIlliquidMedium10–15% p.a.LTCG + Indexation₹20L+
EquitiesLiquidHigh12–20% p.a.LTCG 10% above ₹1L₹500
Gold (SGBs)SemiLow8–12% p.a.Tax-free on maturity₹6,000
Fixed DepositsLiquidLow7–8% p.a.Income tax slab rate₹1,000
G-Sec BondsSemiLow7–7.5% p.a.LTCG or income tax₹10,000
Mutual FundsLiquidVaries8–18% p.a.LTCG / STCG by type₹500 SIP
International MFsLiquidMedium10–15% USD p.a.Debt fund taxation₹1,000
REITs / InvITsLiquidMedium7–10% yieldDividend + LTCG₹300–500

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