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The first and most important element of the puja thali is the lamp. A lamp symbolizes dispelling darkness and brings hope and clarity to one's life. It is the guiding light that illuminates the entire ritual. In case of multi-asset funds, equity also plays its role like Deepak. Equity is generally the growth engine of a portfolio, known to deliver high returns over the long term.
Just as a lamp illuminates a room, equity helps illuminate the path to growth by providing higher returns over the long term. Although they carry a certain level of risk due to market volatility, their wealth building potential makes them essential for a well-balanced portfolio. Many researches have shown that equities have always given good experience to investors with positive returns in the long run. Equity is the asset class that has the highest long-term returns.
Flowers: Similar to the fragrance of dates wealth class
Flowers are another important element of Goddess Lakshmi puja thali, which adds to its beauty and symbolizes purity. These add fragrance and color to the puja. It increases peace of mind in the process of worship and helps in making it more spiritual. In multi-asset funds, debt options like bonds, debentures and government securities play an equal role.
Debt options in multi-asset funds provide regular income along with stability, just like the role of a flower is to add beauty and peace to the puja. When equity fluctuates, debt options act as a buffer. Debt funds or such options ensure that the portfolio is balanced and protected from extreme market fluctuations. They provide portfolio protection, giving investors the confidence to face market uncertainties with regular income, which also helps take care of cash flow needs.
Tilak: Gold, protective shield
During the puja, Roli or Tilak is applied on the forehead as a symbol of auspiciousness and protection. This sacred symbol protects the devotees from negative energies. In multi-asset funds, gold acts as a security hedge.
Gold is often regarded as a security or hedge against inflation and market downturns. Like a tilak, which provides protection as well as blessings, gold also protects your portfolio by acting as a safe asset class in times of economic turmoil. Its ability to retain value makes it an essential asset class for investors looking to protect their investments.
In recent times, it has been seen that gold has given very high returns. One reason for the rise in gold prices is that this precious metal has many uses and its demand is also increasing as per capita income increases in India and China, the largest consumers of gold in the world.
Coins/Money: Case Equivalent
Finally, coins or money are placed on the puja thali as a symbol of wealth, prosperity and financially adequate resources. Their purpose is to seek blessings from Goddess Lakshmi for financial growth and stability. In the investment world, cash or cash equivalents, such as TREPS (Treasury bill repurchase agreements) and Treasury bills, are similar to these coins.
Cash forms a safety net in the portfolio, providing stability and flexibility to the portfolio during market volatility.
Result: better balance
Just as a puja thali is incomplete without all these things, a mix of asset classes is essential to balance the portfolio and generate high returns in the long run. Multi-asset funds offer investors diversification for wealth creation with a combination of equity, debt, gold and cash, thereby strengthening your mutual fund portfolio.