Categories: Asset Allocation

What Should Be The Percentage of Fixed Deposit Allocation in Your Portfolio?

“Diversification is an established tenet of conservative investment.” -Benjamin Graham

Fixed Deposits—“the mother of safe investments”—play a significant role in portfolio diversification.

But it is a fine line to walk for any investor. Your portfolio diversification has the power to mitigate investment risk or dilute your portfolio returns.

It puts us in a corner with the question:

What is the optimal percentage of allocation towards Fixed Deposits in my portfolio?

Do fixed deposits have such a fixed number you can fixate on?

There are a couple of factors you must consider to find out the optimal percentage of allocation.

What are these percentage deciding factors?

Or is there any other better way to do this?

Your questions are answered in the video below:

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