How should ₹30 lakhs be structured if you want to invest in mutual funds without making the portfolio unnecessarily complicated?
In this video, I explain a simple **3-Pool Strategy** that can help investors think about their money based on its purpose:
🔹 **Liquidity Pool** — money that may be required in the near term
🔹 **Stability Pool** — money intended for stability and important medium-term requirements
🔹 **Growth Pool** — money intended for longer-term goals
The important point is that the portfolio should not begin with:
“Which mutual fund should I buy?”
It should begin with:
“What job does this money need to perform?”
I also explain why even a conservative investor may need to think about inflation, liquidity, time horizon, risk tolerance and risk capacity before deciding how much exposure to different asset classes may be appropriate.
This is a **hypothetical educational illustration**, not a recommendation to invest ₹30 lakhs in any particular mutual fund, category or allocation.
Your actual investment approach should depend on your objectives, financial circumstances, time horizon, liquidity requirements, risk profile, risk capacity and suitability.
📌 **Want to discuss your existing investments?**
Book an Investment Discussion with Auris Wealth:
At Auris Wealth, we focus on bringing structure and clarity to family investments.
Sarvesh Gutti
Founder & CEO | Auris Wealth
AMFI Registered Mutual Fund & SIF Distributor
ARN-359871
APMI Registered PMS & AIF Distributor
APRN-08964
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.
This video is for investor education and awareness only and does not constitute investment advice or a recommendation of any mutual fund scheme or investment product.
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