Holi Investment Guide 2026: The festival of Holi is just around the corner. Have you ever considered that this festival of colors could also improve your empty bank account or scattered investments? Often, in the name of investment, people either buy only gold or dump all their money into fixed deposits. In reality, true prosperity comes when your portfolio has the right balance of red, yellow, green, and blue. So, let's understand the calculations for these vibrant investment colors this Holi.

1. Yellow: A Safe Investment

Whether it's Holi or Diwali, the color yellow, or gold, holds a special significance in homes.

Yellow is also considered a safe bet in the investment world.

When the stock market falls or war-like situations arise, gold shines.

It is considered the oldest and most reliable way to beat inflation.

Around 10% to 15% of your total portfolio should be in gold.

Invest in digital gold instead of physical gold (jewelry).

2. Green (Equity): For Growth

Green is considered a symbol of prosperity and progress.

If you want your money to work for you and grow rapidly, the "green color," meaning equities (stock market/mutual funds), cannot be ignored.

There is no better option than equities for long-term wealth creation.

If you are planning for the next 15-20 years, this "color" should be the largest asset in your portfolio.

This depends on your age; there is a simple formula for this: if you are 30 years old, you can invest 70% of your money in equities.

Instead of buying shares directly, invest in diversified mutual funds through SIPs.

3. Blue (Debt/FD): For Stability

When the stock market (green) is volatile, blue (debt funds, FDs, PPF) protects your portfolio from sinking.

This is money that offers fixed returns.

In fact, blue is the safest color for goals like your daughter's wedding, your children's education, or home EMIs.

It reduces risk and maintains liquidity.

Store money in this color for your emergency fund and your needs for the next 1-3 years.

Not just bank FDs, but also consider debt mutual funds or corporate bonds, which can offer 1-2% higher returns than FDs.

4. Red (Risk/Speculation): The Color of Caution

Red is most commonly used during Holi, but in investing, it is considered the color of caution.

These include cryptocurrencies, penny stocks, or high-risk sectors.

A little risk can sometimes yield bumper returns, but the risk is high.

Never invest more than 2% to 5% of your total investment in this.

Your Age, Your Color

Age 🟡 Yellow (Gold) 🟢 Green (Equity) 🔵 Blue (Debt/FD) Holi Mantra

20-30 years 10% 70% 20% Play hard and take risks!

30-45 years 15% 55% 30% Balance responsibility and growth

45-55 years 15% 35% 50% Move towards stability

60+ years 20% 10% 70% Now for peace and fixed income

How to 'clean up' your portfolio this Holi?

Just as we clean our house before Holi, we should clean our investments the same way.

1. Sell stocks that have been incurring losses for years and are not expected to improve.

2. If your 'green' equity has fallen to 80% due to last year's market rally, take some profits and invest them in 'blue' or 'yellow' stocks.

3. Start a new SIP of ₹500 or ₹1,000 this Holi. This small gesture will truly make your old age colorful.

No Holi without colors, and no investment without diversification!

The true joy of Holi lies in the face of every color. Similarly, a successful investor does not love any one asset class, but rather one who balances them all. This Holi, don't just throw gulal (colours), but create a rainbow of investments for your future that will support you through every crisis.

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