Neev Advisors

A simple, evergreen asset allocation portfolio built entirely with ETFs. It combines three asset classes with distinct roles: Indian equities for long-term growth, high-quality debt for stability and liquidity, and gold for diversification. Equity exposure comes from large-cap and next-tier large-cap index ETFs. Debt is held in a medium-duration government securities ETF alongside a liquid ETF that serves as cash. Gold is held through a physically backed gold ETF. Different assets lead in different conditions. Equities tend to do well when growth is strong, government bonds often help when growth slows, and gold has historically held up during inflation, currency weakness and equity sell-offs. Owning all three reduces dependence on any single market outcome and can make the journey smoother than an equity-only portfolio. The liquid ETF provides ready funds for rebalancing, so the basket can add to whichever asset has fallen without selling others. The portfolio is reviewed periodically and rebalanced when allocations drift, without attempts to predict markets. It suits investors looking for a diversified, low-cost core portfolio to hold through changing market conditions. The basket carries market risk, and equity and gold values can fall, especially over shorter periods.

The basket provides diversified exposure to the Nifty 100, India's 100 largest listed companies by market capitalisation, through low-cost, highly liquid ETFs. Together these companies account for a significant share of the total market value of Indian equities, spanning financial services, technology, energy, consumer, healthcare and industrials, so the portfolio participates in the broad growth of the Indian economy. This tracker offers immediate diversification across a hundred established businesses in a single basket, which reduces the impact of any one stock underperforming. Because the underlying index is rules-based and reconstituted periodically, the portfolio adjusts automatically as companies grow, decline or enter the top 100, without the investor having to monitor or replace holdings. Costs are kept low, as ETFs carry expense ratios well below those of most actively managed products, and this cost advantage compounds meaningfully over long holding periods. Large-cap companies also tend to be more resilient than smaller businesses through market cycles, given their scale, access to capital and diversified revenue streams. The basket works well as the core equity holding in a long-term portfolio, or as a straightforward starting point for investors building their first allocation to Indian equities. It is transparent and easy to understand, and because both ETFs trade on the exchange, investors can enter or exit at market prices on any trading day.