{"id":8025,"date":"2025-01-01T11:14:49","date_gmt":"2025-01-01T11:14:49","guid":{"rendered":"https:\/\/navia.co.in\/blog\/?p=8025"},"modified":"2026-08-13T09:26:03","modified_gmt":"2026-08-13T09:26:03","slug":"crack-code-smarter-investing-risk-adjusted-return","status":"publish","type":"post","link":"https:\/\/navia.co.in\/blog\/crack-code-smarter-investing-risk-adjusted-return\/","title":{"rendered":"Crack the Code to Smarter Investing: Unlock Better Risk-Adjusted Returns"},"content":{"rendered":"<ul><li><a class=\"aioseo-toc-item\" href=\"#1-adding-equity-doesnt-always-increase-volatility\">1. Adding Equity Doesn&#039;t Always Increase Volatility<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#2-impact-of-adding-gold-as-a-third-asset-class\">2. Impact of Adding Gold as a Third Asset Class<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#3-asset-class-correlations\">3. Asset Class Correlations<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#4-calendar-year-wise-asset-class-performance\">4. Calendar Year-Wise Asset Class Performance<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#5-sample-multi-asset-portfolio-performance-2011-2024\">5. Sample Multi-Asset Portfolio Performance (2011-2024)<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#frequently-asked-questions\">Frequently Asked Questions<\/a><\/li><\/ul>\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Smarter investing starts with the right strategy, and it helps you <strong>crack the code to smarter investing<\/strong> while <strong>unlocking better risk-adjusted returns<\/strong>. By <a href=\"https:\/\/navia.co.in\/blog\/grow-your-wealth-with-navia-readymade-etf-baskets\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=risk_management\" data-type=\"post\" data-id=\"605\">diversifying your portfolio<\/a> with equities, debt, and gold, you can boost returns, minimize risk, and navigate market uncertainties with confidence. Let\u2019s explore how.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"jetpack-video-wrapper\"><iframe title=\"Crack the Code to Smarter Investing | Boost Returns &amp; Cut Risk with Diversification #smartinvesting\" src=\"https:\/\/www.youtube.com\/embed\/lTz2DXwFONc?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/div><\/figure>\n\n\n\n<blockquote class=\"is-layout-flow wp-block-quote-is-layout-flow\" style=\"border-left:4px solid #e8622f;background:#fdf1ec;padding:18px 22px;margin:1.5em 0;line-height:1.8\"><strong>&#128161; Quick Answer<\/strong><br>Adding equity to a bond portfolio does not always raise risk. In the WhiteOak Capital study, a 100% debt portfolio returned 7.1% with 6.9% volatility, while 75% debt with 25% equity returned 9.7% at the same 6.9% volatility. Adding 20% gold lifted returns to 11.1%.<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-7072bf79c35dd9e4d4e193483d00a47f\" id=\"1-adding-equity-doesnt-always-increase-volatility\" style=\"color:#023368\"><strong>1. Adding Equity Doesn\u2019t Always Increase Volatility<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\" style=\"margin:1em 0;line-height:1.9\"><li style=\"margin-bottom:0.8em;line-height:1.8\">It is a common belief that adding equity to a bond portfolio increases portfolio risk. However, this isn\u2019t always the case.<\/li><li style=\"margin-bottom:0.8em;line-height:1.8\"><strong>Example: <\/strong>A 100% bond portfolio delivered an average return of <strong>7.1%<\/strong> with a volatility of <strong>6.9%<\/strong>. By adding <strong>10% equity<\/strong>, returns improved to <strong>8.1%<\/strong>, while volatility reduced to <strong>6.0%<\/strong>.<\/li><li style=\"margin-bottom:0.8em;line-height:1.8\">A portfolio with <strong>75% bonds and 25% equity<\/strong> maintained <strong>6.9% volatility<\/strong> but boosted returns to <strong>9.7%<\/strong>, clearly demonstrating <a href=\"https:\/\/navia.co.in\/blog\/risk-management-strategies-for-day-traders\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=risk_management\" data-type=\"post\" data-id=\"2929\">improved risk-adjusted <\/a>returns.<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ec4d37\" class=\"has-inline-color\">Portfolio Composition<\/mark><\/strong><\/th><th><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ec4d37\" class=\"has-inline-color\">Average Return (%)<\/mark><\/strong><\/th><th><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ec4d37\" class=\"has-inline-color\">Volatility (%)<\/mark><\/strong><\/th><\/tr><\/thead><tbody><tr><td>100% Debt, 0% Equity<\/td><td>7.1<\/td><td>6.9<\/td><\/tr><tr><td>90% Debt, 10% Equity<\/td><td>8.1<\/td><td>6.0<\/td><\/tr><tr><td>80% Debt, 20% Equity<\/td><td>9.2<\/td><td>6.3<\/td><\/tr><tr><td>75% Debt, 25% Equity<\/td><td>9.7<\/td><td>6.9<\/td><\/tr><tr><td>70% Debt, 30% Equity<\/td><td>10.3<\/td><td>7.7<\/td><\/tr><tr><td>50% Debt, 50% Equity<\/td><td>12.6<\/td><td>12.2<\/td><\/tr><tr><td>0% Debt, 100% Equity<\/td><td>18.9<\/td><td>26.4<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-0b2e5c0693bdb413f1af2e2bbcb2e773\" id=\"2-impact-of-adding-gold-as-a-third-asset-class\" style=\"color:#023368\"><strong>2. Impact of Adding Gold as a Third Asset Class<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\" style=\"margin:1em 0;line-height:1.9\"><li style=\"margin-bottom:0.8em;line-height:1.8\"><a href=\"https:\/\/navia.co.in\/open-commodities-trading-account\">Gold<\/a> has historically shown a <strong>negative correlation<\/strong> with equity and debt, making it a valuable diversifier.<\/li><li style=\"margin-bottom:0.8em;line-height:1.8\">A portfolio with <strong>55% Debt, 25% Equity, and 20% Gold<\/strong> maintained a similar volatility of <strong>6.9%<\/strong> while boosting returns to <strong>11.1%<\/strong>, a significant improvement from the <strong>7.1%<\/strong> of a pure debt portfolio.<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ec4d37\" class=\"has-inline-color\">Portfolio Composition (Equity\/Debt\/Gold)<\/mark><\/strong><\/th><th><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ec4d37\" class=\"has-inline-color\">Average Return (%)<\/mark><\/strong><\/th><th><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ec4d37\" class=\"has-inline-color\">Volatility (%)<\/mark><\/strong><\/th><\/tr><\/thead><tbody><tr><td>80% Debt, 0% Equity, 20% Gold<\/td><td>8.4<\/td><td>6.5<\/td><\/tr><tr><td>70% Debt, 10% Equity, 20% Gold<\/td><td>9.5<\/td><td>5.7<\/td><\/tr><tr><td>60% Debt, 20% Equity, 20% Gold<\/td><td>10.6<\/td><td>6.2<\/td><\/tr><tr><td>55% Debt, 25% Equity, 20% Gold<\/td><td>11.1<\/td><td>6.9<\/td><\/tr><tr><td>40% Debt, 40% Equity, 20% Gold<\/td><td>12.8<\/td><td>9.9<\/td><\/tr><tr><td>0% Debt, 80% Equity, 20% Gold<\/td><td>17.8<\/td><td>21.0<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-85d8c20be6f3032b10a933d85da77523\" id=\"3-asset-class-correlations\" style=\"color:#023368\"><strong>3. Asset Class Correlations<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Different asset classes show unique correlations, which are crucial for building a well-balanced portfolio:<\/p>\n\n\n\n<ul class=\"wp-block-list\" style=\"margin:1em 0;line-height:1.9\"><li style=\"margin-bottom:0.8em;line-height:1.8\"><strong>Indian Equity vs. Gold:<\/strong> <strong>-0.53<\/strong> (strong negative correlation)<\/li><li style=\"margin-bottom:0.8em;line-height:1.8\"><strong>Debt vs. Gold:<\/strong> <strong>+0.06<\/strong> (near zero, meaning they move independently)<\/li><li style=\"margin-bottom:0.8em;line-height:1.8\"><strong>US Equity vs. Indian Equity:<\/strong> <strong>+0.40<\/strong> (moderate positive correlation)<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-ef000f419e43fef4f136947e80ef186e\" id=\"4-calendar-year-wise-asset-class-performance\" style=\"color:#023368\"><strong>4. Calendar Year-Wise Asset Class Performance<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">Asset class performance varies yearly. <strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\" style=\"margin:1em 0;line-height:1.9\"><li style=\"margin-bottom:0.8em;line-height:1.8\">In <strong>2020<\/strong>, Nasdaq delivered <strong>48.6%<\/strong>, while Indian Equity returned <strong>16.1%<\/strong>, and Gold surged by <strong>28%<\/strong>.<\/li><li style=\"margin-bottom:0.8em;line-height:1.8\">In <strong>2022<\/strong>, when Indian Equity grew only by <strong>5.7%<\/strong>, Gold provided a <strong>13.9%<\/strong> return, showcasing its defensive nature during tough equity market phases.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-b7c8bafffb8359def05f18dc5bbd6225\" id=\"5-sample-multi-asset-portfolio-performance-2011-2024\" style=\"color:#023368\"><strong>5. Sample Multi-Asset Portfolio Performance (2011-2024)<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">A hypothetical portfolio with <strong>25% Equity, 45% Debt, 25% Gold, and 5% US Equity<\/strong> delivered a <strong>10.7% CAGR<\/strong> over 13 years, better balancing returns and volatility than any single asset class.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ec4d37\" class=\"has-inline-color\">Financial Year<\/mark><\/strong><\/th><th><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ec4d37\" class=\"has-inline-color\">Indian Equity (BSE Sensex TRI)<\/mark><\/strong><\/th><th><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ec4d37\" class=\"has-inline-color\">Debt (CRISIL Short-Term Bond)<\/mark><\/strong><\/th><th><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ec4d37\" class=\"has-inline-color\">Gold (MCX)<\/mark><\/strong><\/th><th><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ec4d37\" class=\"has-inline-color\">US Equity (S&amp;P 500 INR)<\/mark><\/strong><\/th><th><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ec4d37\" class=\"has-inline-color\">Sample Multi-Asset Portfolio<\/mark><\/strong><\/th><\/tr><\/thead><tbody><tr><td>2011<\/td><td>12.5%<\/td><td>5.1%<\/td><td>27.4%<\/td><td>14.7%<\/td><td>13.0%<\/td><\/tr><tr><td>2020<\/td><td>-22.9%<\/td><td>9.9%<\/td><td>29.7%<\/td><td>1.1%<\/td><td>6.2%<\/td><\/tr><tr><td>2021<\/td><td>69.8%<\/td><td>7.8%<\/td><td>7.3%<\/td><td>51.8%<\/td><td>25.4%<\/td><\/tr><tr><td>2024<\/td><td>26.5%<\/td><td>7.6%<\/td><td>12.5%<\/td><td>33.5%<\/td><td>14.8%<\/td><\/tr><tr><td><strong>CAGR (2011-2024)<\/strong><\/td><td><strong>12.3%<\/strong><\/td><td><strong>7.7%<\/strong><\/td><td><strong>10.6%<\/strong><\/td><td><strong>18.6%<\/strong><\/td><td><strong>10.7%<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">This study highlights the importance of combining <strong>multiple asset classes<\/strong> such as<a href=\"https:\/\/navia.co.in\/equity\"> <strong>equity<\/strong><\/a><strong>, debt, and gold<\/strong>. By diversifying into non-correlated or negatively correlated assets, investors can <strong>reduce <a href=\"https:\/\/navia.co.in\/blog\/sortino-ratio\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=risk_management\">volatility<\/a><\/strong> and <strong>enhance returns<\/strong>. This strategic allocation serves as a robust defense against market uncertainties, ensuring better <strong>risk-adjusted performance<\/strong> over time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">The data and insights presented are derived from the <a href=\"https:\/\/mf.whiteoakamc.com\/learning-edge\/insight\/chemistry_of_investing\" target=\"_blank\" rel=\"noopener\">report<\/a> published by WhiteOak Capital Mutual Fund (April 2024). The study analyzes historical returns, volatility, and correlations across various asset classes, including Indian equity, debt, gold, and US equity, over multiple financial years.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/open.navia.co.in\/?utm_source=Organic&amp;utm_medium=blog&amp;utm_campaign=blog&amp;utm_content=multiasset_CTA\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"149\" src=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2024\/12\/image-15-1024x149.png\" alt=\"Navia zero brokerage demat account\" class=\"wp-image-7790\" style=\"max-width:100%;height:auto\" srcset=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2024\/12\/image-15-1024x149.png 1024w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2024\/12\/image-15-300x44.png 300w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2024\/12\/image-15-150x22.png 150w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2024\/12\/image-15-768x112.png 768w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2024\/12\/image-15.png 1028w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"line-height:1.8;text-align:justify\">The report highlights key portfolio strategies such as multi-asset diversification, optimal portfolio construction, and the impact of varying asset allocations on returns and volatility. These findings underscore the significance of a <a href=\"https:\/\/navia.co.in\/blog\/a-simple-guide-to-risk-adjusted-returns\/?utm_source=blog&amp;utm_medium=internal_link&amp;utm_campaign=risk_management\">well-diversified investment<\/a> approach to balance risk and returns effectively.<\/p>\n\n\n\n<h3 style=\"color:#ec4d37\">Key Takeaways<\/h3>\n<ul style=\"margin:1em 0;line-height:1.9\"><li style=\"margin-bottom:0.8em;line-height:1.8\">Adding 10% equity to a 100% debt portfolio raised returns from 7.1% to 8.1% while volatility fell from 6.9% to 6.0%.<\/li><li style=\"margin-bottom:0.8em;line-height:1.8\">A 75% debt and 25% equity mix held volatility at 6.9% but lifted returns to 9.7%.<\/li><li style=\"margin-bottom:0.8em;line-height:1.8\">Gold has historically shown a negative correlation with equity and debt, making it a valuable diversifier.<\/li><li style=\"margin-bottom:0.8em;line-height:1.8\">Indian equity and gold are correlated at -0.53, debt and gold at +0.06, and US equity and Indian equity at +0.40.<\/li><li style=\"margin-bottom:0.8em;line-height:1.8\">A sample portfolio of 25% equity, 45% debt, 25% gold and 5% US equity delivered a 10.7% CAGR.<\/li><li style=\"margin-bottom:0.8em;line-height:1.8\">All figures come from the WhiteOak Capital Mutual Fund report published in April 2024.<\/li><\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>DID YOU FIND THIS INTERESTING?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-8f761849 wp-block-group-is-layout-flex\">\n<p class=\"wp-block-paragraph\"><strong>We&#8217;d love to hear from you &#8211;<\/strong> <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/form.typeform.com\/to\/bpQ8ZlDc?typeform-source=navia.co.in\"><img decoding=\"async\" width=\"300\" height=\"64\" src=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/01\/Yes-No-Button.png\" alt=\"yes or no feedback form\" class=\"wp-image-8335\" style=\"max-width:100%;height:auto\" srcset=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/01\/Yes-No-Button.png 300w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/01\/Yes-No-Button-150x32.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/figure>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color wp-elements-104d8c0b4552a7bc0756abdd38ec22b9\" id=\"frequently-asked-questions\" style=\"color:#023368\">Frequently Asked Questions<\/h2>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#f1f1f1;border-radius:4px;margin-bottom:10px\">\n<summary style=\"font-weight:600;font-size:17px;color:#1a2332;cursor:pointer;padding:16px 20px\">Does adding equity to a debt portfolio always increase risk?<\/summary>\n\n<p class=\"wp-block-paragraph\" style=\"padding:0 20px 18px 20px;line-height:1.8;color:#333;margin:0\">No. A 100% bond portfolio delivered an average return of 7.1% with a volatility of 6.9%. By adding 10% equity, returns improved to 8.1%, while volatility reduced to 6.0%.<\/p>\n\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#f1f1f1;border-radius:4px;margin-bottom:10px\">\n<summary style=\"font-weight:600;font-size:17px;color:#1a2332;cursor:pointer;padding:16px 20px\">What did adding gold do to the portfolio?<\/summary>\n\n<p class=\"wp-block-paragraph\" style=\"padding:0 20px 18px 20px;line-height:1.8;color:#333;margin:0\">A portfolio with 55% Debt, 25% Equity, and 20% Gold maintained a similar volatility of 6.9% while boosting returns to 11.1%, a significant improvement from the 7.1% of a pure debt portfolio.<\/p>\n\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#f1f1f1;border-radius:4px;margin-bottom:10px\">\n<summary style=\"font-weight:600;font-size:17px;color:#1a2332;cursor:pointer;padding:16px 20px\">What is the correlation between Indian equity and gold?<\/summary>\n\n<p class=\"wp-block-paragraph\" style=\"padding:0 20px 18px 20px;line-height:1.8;color:#333;margin:0\">-0.53, a strong negative correlation. Debt versus gold is +0.06, near zero, meaning they move independently, and US equity versus Indian equity is +0.40, a moderate positive correlation.<\/p>\n\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#f1f1f1;border-radius:4px;margin-bottom:10px\">\n<summary style=\"font-weight:600;font-size:17px;color:#1a2332;cursor:pointer;padding:16px 20px\">How did gold behave when Indian equity was weak?<\/summary>\n\n<p class=\"wp-block-paragraph\" style=\"padding:0 20px 18px 20px;line-height:1.8;color:#333;margin:0\">In 2022, when Indian Equity grew only by 5.7%, Gold provided a 13.9% return, showcasing its defensive nature during tough equity market phases.<\/p>\n\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#f1f1f1;border-radius:4px;margin-bottom:10px\">\n<summary style=\"font-weight:600;font-size:17px;color:#1a2332;cursor:pointer;padding:16px 20px\">What did the sample multi-asset portfolio return?<\/summary>\n\n<p class=\"wp-block-paragraph\" style=\"padding:0 20px 18px 20px;line-height:1.8;color:#333;margin:0\">A hypothetical portfolio with 25% Equity, 45% Debt, 25% Gold, and 5% US Equity delivered a 10.7% CAGR over 13 years, better balancing returns and volatility than any single asset class.<\/p>\n\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#f1f1f1;border-radius:4px;margin-bottom:10px\">\n<summary style=\"font-weight:600;font-size:17px;color:#1a2332;cursor:pointer;padding:16px 20px\">Where does the data in this article come from?<\/summary>\n\n<p class=\"wp-block-paragraph\" style=\"padding:0 20px 18px 20px;line-height:1.8;color:#333;margin:0\">The data and insights presented are derived from the report published by WhiteOak Capital Mutual Fund in April 2024, covering historical returns, volatility and correlations across Indian equity, debt, gold and US equity.<\/p>\n\n<\/details>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Do You Find This Interesting?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:13px;line-height:1.6;color:#777\"><strong>DISCLAIMER: Investments in the securities market are subject to market risks, read all the related documents carefully before investing. The securities quoted are exemplary and are not recommendatory. Brokerage will not exceed the SEBI prescribed limit.&nbsp;Full disclaimer: <a href=\"https:\/\/bit.ly\/naviadisclaimer\" target=\"_blank\" rel=\"noopener\">https:\/\/bit.ly\/naviadisclaimer<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Smarter investing starts with the right strategy, and it helps you crack the code to smarter investing while unlocking better risk-adjusted returns. By diversifying your portfolio with equities, debt, and gold, you can boost returns, minimize risk, and navigate market uncertainties with confidence. Let\u2019s explore how. &#128161; Quick AnswerAdding equity to a bond portfolio does [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":8096,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ub_ctt_via":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[2],"tags":[387,1108,39,734,424],"class_list":["post-8025","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investments","tag-asset-allocation-funds","tag-bonds","tag-gold","tag-portfolio-diversification","tag-risk-adjusted-returns"],"aioseo_notices":[],"featured_image_src":"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/01\/Crack-the-Code.png","author_info":{"display_name":"Navia Markets","author_link":"https:\/\/navia.co.in\/blog\/author\/tradeplusonline\/"},"jetpack_featured_media_url":"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/01\/Crack-the-Code.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/8025","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/comments?post=8025"}],"version-history":[{"count":26,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/8025\/revisions"}],"predecessor-version":[{"id":19248,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/8025\/revisions\/19248"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/media\/8096"}],"wp:attachment":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/media?parent=8025"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/categories?post=8025"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/tags?post=8025"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}