[jacomoRodriguez]

so asking the big and obvious question: in what did yo invest?

[ringofchaos]

I am based out of India 70% of my portfolio is in equity mutual funds, and the rest in safe instruments. The Indian stock markets have given good returns and my equity portfolio has been doing 17% CAGR (10% inflation-adjusted)

But I have planned for conservative returns of 12 percent overall

[WXLCKNO]

12% is not conservative

[tcbawo]

That seems like a very ambitious rate of return, given that India seems to have ~4% inflation rate.