A Portfolio Framework for Financial Freedom: Beyond SIPs

A Practical Guide to Smarter Asset Allocation That Outperforms Benchmarks — Without Stock Picking

De: Akshay Raje

Narrado por: Virtual Voice

A Portfolio Framework for Financial Freedom: Beyond SIPs

A Portfolio Framework for Financial Freedom: Beyond SIPs is written for Indian investors who have moved beyond fund recommendations and short-term market predictions — and are now asking a more important question: How do I allocate capital intelligently across my entire portfolio as it grows?

Designed for financially aware investors willing to spend some time managing their own portfolios, this book introduces a practical, repeatable portfolio framework that goes far beyond choosing mutual funds or tracking the Nifty 50. It helps you build, manage, and rebalance a long-term portfolio across Indian equity, international equity, debt, and hedges including gold and crypto, without reacting emotionally to market cycles.

At its core is a simple idea: long-term investing success comes from disciplined capital allocation, not market prediction. You’ll learn to structure your portfolio using layered equity exposure — Core, Enhanced, International, and Satellite — while managing risk through debt and hedges aligned with Indian taxation and market realities.

Blending behavioural finance, real-world execution, and portfolio design, the book shows you how to:

• Move beyond SIP-only investing to intentional allocation
• Build diversified equity exposure beyond the Nifty 50 using index funds and ETFs
• Use inflow-based rebalancing instead of frequent buying and selling
• Allocate to debt funds, gold (SGBs/ETFs), and alternatives with clear purpose
• Evaluate experiments using objective benchmarks
• Think like an expert capital allocator, not a product picker
• Avoid lifestyle creep, status signalling, and over-trading
• Track allocations using simple tools like Google Sheets
• Navigate Indian realities such as taxation, inflation, and global investing

Who This Book Is For

This book is for Indian investors who already understand investing basics and want to move from automation to intentional portfolio management.

It is well suited for salaried professionals, freelancers, founders, or business owners with a steady income and surplus to invest; investors seeking financial freedom on a defined timeline; and readers who want consistent compounding rather than short-term thrills. The framework requires occasional, thoughtful involvement — reviewing allocations, rebalancing when needed, and adapting as life evolves.

While these ideas can be applied early, the framework shows its true power once your investable assets become meaningfully sized. As a practical reference point, investors with ₹30 lakhs or more in investable financial assets will find the allocation structure particularly effective.

Written in a conversational yet thoughtful style, Beyond SIPs moves from philosophy to practical implementation, respecting the reader’s intelligence and focusing on what works over long periods. This is not a beginner’s personal finance book. It is a portfolio framework for serious Indian investors who want clarity, discipline, and confidence in how they allocate capital across market cycles and life stages.

If you are ready to stop reacting to markets and start running your portfolio like a well-designed system, Beyond SIPs gives you the structure to do exactly that.