Investments – Powered by Precision Technicals

It’s time to take stock of your financial journey.
You began investing when you were 25 — some plans have matured, some are still ongoing. Now, at 40, it’s the right time to review, realign, and diversify your portfolio.

Ask yourself — have you made enough provisions for your family’s needs and your children’s higher education? Are your investments aligned with your long-term goals?

At 40, most people are at a position where most of their very basic goals - i.e. house, marriage, car have been achieved. Many people in their 40s now aim at buying sedans and other big cars, visiting dream foreign destinations, as well as exploring new business ideas. Most of them do think about their retirement as many of them are employed in the private sector and they will not have pension facility. So they think of investing in Pension Plans of MFs as well as other pension schemes such as NPS.

Family goals of these people shift from child education to saving for children's marriage. Therefore, investments need to be bifurcated as per your goals and major chunk of this investments should go to pension related investments.

Now is the moment to rewind, reset, and refresh your financial plans so that your future remains secure and stress-free.

Here are a few smart ways to manage your investments at 40:

Manage the Highs and Lows: Stay aware of market movements and adjust your strategy accordingly.
Make a New Investment Plan: Consult your investment advisor to create a balanced, goal-oriented strategy. Define your 5, 10, 15, or 20-year goals and start a fresh SIP to achieve them. You can choose between short-term or long-term plans.
Rewind and Reset Your Portfolio: Review your returns, cut down underperforming assets, and reallocate funds for better stability and growth.

At 40, smart investing isn’t just about growing wealth — it’s about creating security, freedom, and peace of mind for yourself and your loved ones.

If you have opted for any Pension Plan, Great. If you haven't , this is the time to take a look at National Pension Scheme (NPS) or any similar plan.

Remember, you still have 15 to 20 years to accumulate some amount to take care of your retirement. You can select or define a time-bound goal for the next 5-10 years and plan your investments accordingly.

Retirement Planning@40
Visiting 5 countries in next 5 years
Gift a SUV to my dad
Buy a Merc for my family
Build a farmhouse at my hometown

What are your views regarding this ? Let us know at - info@avenuesat40.com

You can start today, make a plan for the next 20 years.

If YOU start an SIP of Rs10000 a month, you can still achieve a dream of acuumulating Rs 1 Crore by the time you reach 60. This only needs a disciplined approach- regular investment of Rs 10000 in a specific equity mutual fund. There are the options available for a 40 year old in fixed deposits, mutual funds, real estate and equity. What kind of health insurance, mediclaim, and term insurance plans on offer for a 40 year old ? What time duration or a tenure you will select for this ? You should check out all this - before your birthday so that you are ready to make a move.

Consider your risk appetite while planning your investments. You can still deploy 60% of your funds in equity, 20% of your funds in debt and remaining 20% in Gold and other investments including real estate. Equity Mutual Funds, National Pension Scheme, Fixed Deposits, Hybrid Funds, Gold ETFs, Equity Linked Saving Schemes(ELSS) and direct investment in Equity can be considered.

Starting a Venture Capital Fund :

Nice you had a dream of starting a venture capital fund when you turn 40. You must have gathered some amounted to be deployed for the same. Do you know how to go about it ? You should have a minimum corpus of Rs 5 crore to start a Venture Captial Fund in India. You can have NRIs and Foreign Investors on board as well. For starting a VC Fund of your own, you need to register a LLP ( Limited Liability Partnership) firm or a Pvt. Ltd. Company. This legal entity would act as a fund manager for your VC Fund. Thereafter, you need to register your LLP or a PVT LTD Company with the Registrar of Companies (RoC). Thereafter, you should register your LLP or Pvt Ltd Company with SEBI. Thereafter, you should get the legal and fund documents properly drafted from a law firm. Once a team of investment professionals in place, you can start your investment operations. You need to comply with SEBI regulations from time to time. Deploy your capital in the most prudent manner and take exit through acquisition, IPO or stake sale. Good luck!

What are your views regarding this ? Let us know at - info@avenuesat40.com