If your financial goal is three years away, savings need to be more debt-oriented
New Delhi, June 17 -- I am 31, married with no children. Our total family monthly income is Rs.3 lakh of which Rs.1.5 lakh is monthly expenses, including EMIs. I want to invest the remaining Rs.1.5 lakh. I also have about Rs.30 lakh saved in my bank account for a flat I want to purchase in the next three years. I am confident that the additional EMI burden will be offset by the income growth. How should I go about building a portfolio for wealth creation. I am already investing Rs.3 lakh annually in Provident Fund (PF) and National Pension System (NPS) which is included in my monthly expenses. What kind of products should I choose? My risk profile is medium to aggressive....
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