New Delhi, Aug. 3 -- Saurabh Jain, 48, managing director and Head - Wealth Management and Affluent Client Segments at Standard Chartered Bank, has spent over two decades in banking. Despite managing complex investment products and strategies professionally, Jain keeps his personal investing approach simple.

All his equity investments are in publicly listed, open-ended instruments. He avoids sectoral, thematic, or style-based bets. His portfolio comprises 8-10 mutual fund schemes diversified across categories and market capitalizations, left untouched for years to compound tax-free. He has also strategically maxed out Employees Provident Fund (EPF) and Public Provident Fund (PPF) contributions in the past.

In an interview with Mint, Jain...