Every asset class.
Nothing overlooked.

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

Real Estate
Immovable Asset
The cornerstone of Indian wealth — residential plots, agricultural land, commercial spaces, and emerging asset formats like REITs. M Infinite is one of the few tools that integrates direct real estate into a quantified portfolio allocation, complete 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
Direct stocks and equity-oriented investments calibrated to your risk profile. From Nifty 50 index exposure for conservatives to mid-cap and small-cap baskets for aggressive investors — we size your equity allocation precisely.
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
Gold remains the bedrock of Indian wealth preservation. M Infinite recommends across its formats — from the interest-bearing Sovereign Gold Bonds that most investors overlook, to liquid ETFs and physical gold for traditional families.
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
FDs remain the most trusted instrument in India. We recommend a laddering strategy — splitting across 1Y, 3Y, and 5Y tenures and across 2–3 banks — to optimise rates while maintaining liquidity at regular intervals.
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
From government securities with sovereign backing to tax-free infrastructure bonds — fixed income instruments provide predictable yield and act as counterweights to 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, and debt funds for stability — MFs offer professionally managed exposure across risk bands. We recommend by fund category, not by specific fund name, as manager track records evolve.
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
USD-denominated assets are a structural hedge against rupee depreciation over long horizons. Access via Indian feeder funds requires no overseas accounts and remains within Indian regulatory limits.
Motilal Oswal S&P 500 Fund
Edelweiss US Technology ETF
Global equity feeder MFs
Typical Allocation
5 – 15%
Medium Risk
Alternatives
Premium Yield
REITs for real estate income without direct ownership, InvITs for infrastructure yield, and curated P2P lending platforms for higher fixed returns. These are sized small and 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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personalised mix?

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