‘Invest to beat inflation’: Management consultant breaks down his strategy for young investors — Here's how
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- Kanishk Singh, senior manager at Bain, shared his investment strategy on Instagram targeting young investors who he says are rarely taught how to invest early.
- Singh's strategy divides savings into three buckets: long-term investments at 60%, medium-term goals at 25%, and an emergency fund at 15%.
- Long-term portfolio allocation includes 50% in Indian stocks and mutual funds, 20% in Gold ETFs, and 30% in US stocks — investments Singh says he will not touch for years.
- Medium-term bucket holds an equal split between fixed deposits and arbitrage liquid funds, targeting returns of 7-8% per annum for one-to-two-year goals like a car or house down payment.
- Emergency fund allocation is 60% in a high-interest savings fund and 40% in debt funds, reserved strictly for last-resort use.
- Singh saves about 50% of his salary overall and noted that workplace restrictions push him toward ETFs and index funds for certain direct stock picks.
Why it matters: Singh's breakdown gives a concrete, percentage-by-percentage template from a high-earning professional targeting 12% annual returns — the kind of actionable allocation Indian millennials and Gen Z investors say they lack formal education on. The heavy 60% tilt toward equities (Indian + US stocks) signals high risk tolerance suited to a long horizon, not a universal playbook for every saver.
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