10K investment in Gilt ,GSEC and Liquid

Trading
1

10K investment in Gilt ,GSEC and Liquid - which one will be good for more than 5 year tenure?

Gsec - 73GS2053-GS
Gilt - LTGILTCASE
Liquid - LIQUIDCASE

2

Well i would say investing in LTGILTCASE seems an better choice in compassion with GSec and and liquid for 5 year

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3

For 7 years floating rate bonds are good you can purchase from rbi retail direct it is offering 8.05% resets interest rate every 6 months i guess.

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4

Are they govt bonds (or RBI) or private company bonds?

5

rbi floating rate bonds

Ps: i invest in them

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6

Thats if u bought at issue price, is it still 100 highly doubtful

don’t have much experience on this

7

Gsec - Low liquidity , Capital growth and coupon payment , No expense deductions , rate risk , freedom in rate changing cycle
Gilt - LTGILTCASE - High liquidity , Capital growth no coupon payment , expense deductions , rate risk
Liquid - LIQUIDCASE - High liquidity , low return , expense deductions , rate risk (but impacting the daily compounding not capital like Gilt or Gsec )

8

honestly bro absolute return on 10k is going make 0 difference

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9

Liquid

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Gilt
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Gsec
7.46 Perc return approx , based on my purchase
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Note :
New GSec offer show indicative yield as 7.08 , coupon as 6.48 % and Price as 101.02 Maturity year as 2035 . Not sure why it show 7.08
calculation show
Yield based price : 6.48 *100/101.02 = 6.41
Capital depr = (101.02 - 100)/ 9 = 0.11
Total ind Yield = 6.41 - 0.11 = 6.3

refer : Login to Kite by Zerodha - Fast, easy trading and investment platform

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10

Thank you.

I am looking to improve my asset allocation based on this.

  • I need a solution using Zerodha Kite.
  • I currently have Liquidcase, and a portion of it needs to be reallocated to G-Sec or Gilt ETFs to improve returns and cash flow
11

My current allocation as follows
Liquid / Cash ETFs - 70.6%
Gold ETFs - 3.6%
Silver ETFs - 2.7%
Nifty50 ETFs - 2.6%
Equity + Other ETFs - 20.5%

12

@sandeep_cs [quote=“sandeep_cs, post:11, topic:193014, full:true”]
My current allocation as follows
Liquid / Cash ETFs - 70.6%
Gold ETFs - 3.6%
Silver ETFs - 2.7%
Nifty50 ETFs - 2.6%
Equity + Other ETFs - 20.5%
[/quote]

better multi asset fund - its giving steady return - fundmanger will adjust about reporate - inflation cheap equity valuation and so on - i already made 50% in this fund in 2.5 Years , i will keep for next generation

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1 year - 25%
3- year - 25%
4 year - 27%
5 year - 25%

ALL weather fund - All season Fund

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13

INvested 20 lakhs in 150 NAV lumpsum and 5 lkahs in 135 nav
and doing SIP every dip 15K now its value 38Lakhs

14

Thank you.

Zerodha Kite (web) is my primary tracking and execution platform, so I am looking for a solution that can be managed entirely within it.

Accordingly, I have excluded:

  1. Multi-asset funds
  2. Coin-based FD options (8.1% yield)
15

it is diffcult to mange each asset individually - if you are trying to manage in kite directly - returns will be not much - as a retail investor its very difficult to beat returns

make it simple

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16

Equity - 38 %
Debt - 22 %
commodities - 10 %
Real estate - 0.61 %
Cash - 30 %

Equity and commodities may be satelite portion towards 27 Perc return

17

these allocation will be changed upon market situation - valuation geopolitics

in 2024 equity went upto 78% - now its only 37.5% - still this fund deliver 27% 1 year return

this fund will never disappointed you

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