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In a bull equity market, human beings conjure magical investment formulae. Here’s the worst equity investing advice I have heard:
Your exposure — in percentage terms — to equity investments should be 100 less your current age. So if you are a 27-year old, your exposure to equity instruments should be 100 – 27 = 73%, with the remaining 27% in debt instruments.
Source: Leading personal finance magazines published in India.
Advice is cheap. Following them is quite expensive.
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