Surviving a 60% Market Crash – Inside a Multi-Asset Portfolio Saurabh Mukherjea x Ishaan Chitale

تفصیل

Manage risk and safely compound your wealth with a free customized asset allocation plan: https://plan.marcellus.in/auth?utm_so...Over the last 30 years, Indian equities have delivered zero returns half the time. Meanwhile, Fixed Deposits (FDs) quietly destroy your wealth through taxes and inflation. How do you build wealth without losing sleep? In this episode, Saurabh Mukherjea and Ishan dismantle the myth of predicting the market and reveal a resilient wealth-building strategy: the Multi-Asset Portfolio. They decode the 'Asset Allocation Quilt', explain why chasing last year's top-performing asset is a losing game, and share a low-risk framework to compound your wealth steadily over decades. ---------------------------------------------------------------💡 Key Takeaways⮞ The Illusion of Forecasting: The asset that tops the charts one year often disappoints the next. Over the last 30 years, the leading asset class has stayed the same for two consecutive years only 37% of the time. ⮞ The Twin Traps: Indian equities are highly volatile, yielding flat returns for long stretches, such as between 1993 to 2003 and 2007 to 2014. Alternatively, FDs offer a mere 4% post-tax return, which fails to beat an estimated 8% middle-class inflation rate. ⮞ The "Cricket Team" Approach: To win in investing, you need a balanced team: Indian Equities act as the Striker, Global Equities as the Midfielder, Gold as the Goalkeeper, Debt as the Defender, and Cash as the Substitute. ⮞ Crushing Risk: An equally weighted Multi-Asset Portfolio—allocating 20% to each of the five assets and rebalancing annually—historically delivered 11.3% long-term returns. It achieved this with just one-fourth the volatility of the Nifty 50. ⮞ Surviving Crashes: During the 2008 financial crisis, the Nifty crashed by 60% from its peak. However, a simple multi-asset portfolio only fell by about 6% because assets like Gold (+28%) and Debt (+9%) held the line and protected investors from panic. ⮞ The Power of Rebalancing: Annually selling your winners and buying