‘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, posted an Instagram reel breaking down his investment strategy for young investors he says nobody teaches
- Singh's framework splits savings into three buckets: long-term (60%), medium-term (25%), and emergency fund (15%), targeting at least 12% per annum growth
- His long-term allocation divides into 50% Indian stocks and mutual funds, 20% Gold ETFs, and 30% US stocks
- The medium-term bucket, for one-to-two-year goals like a car or house down payment, uses a 50/50 split between fixed deposits and arbitrage liquid funds returning 7-8% p.a.
- The emergency fund holds 60% in a high-interest savings fund and 40% in debt funds, reserved as a last resort
- Singh saves about 50% of his salary and uses ETFs or index funds to gain exposure to companies he is restricted from buying directly
Why it matters: Singh's three-bucket template offers young investors a concrete roadmap anchored by a 50% savings rate and a 12% annual return target, with 60% of savings in growth assets balanced against a 15% emergency cushion. His allocation of 30% of long-term savings to US stocks signals a strategy that pairs domestic Indian equities with international diversification.
