Life at 30,000 market level: It's time to buy on arithmetic, not optimism

Though equities are performing, you should not raise your exposure to just this asset class

When it comes to creating long-term wealth, nothing beats asset allocation. Though this topic is often discussed, Indian investors tend to lean heavily towards traditional investment options when it comes to making investment choices. Equities are hardly a point of consideration, given the fear of losing money in the market. 

Over the past three years, there has been a change in this sequence of consideration. Over the course of last one year, retail investors have consistently flocked to the market, taking the industry SIP book to a high of Rs 4,200 crore in April 2017 – all through SIPs –