When people start investing, most of them think only about making quick money. They put all their money in one place and hope it grows fast. But this is risky. If that one investment fails, they can lose a lot. This is why Someshwar Srivastav always talks about diversification. Diversification means spreading your money across different investments so that you stay safe even when one investment does not do well.
In this blog, we will look at how Someshwar Srivastav diversifies his portfolio and why this approach works so well for both beginners and experienced investors.
What Is Diversification?
Diversification is a simple idea. It means not putting all your eggs in one basket. Instead of buying only one type of stock or putting all your savings in just one investment, you spread your money in many areas.
For example, you can invest some money in stocks, some in mutual funds, some in gold, and maybe some in real estate. If one of these does badly, the others can still give you profit. Someshwar Srivastav believes this is the safest way to grow wealth without stress.
Why Someshwar Srivastav Believes in Diversification
According to Someshwar Srivastav, no one can predict the market 100% correctly. Even the smartest investors can be wrong sometimes. That is why he says it is better to stay prepared. If you have a balanced portfolio, you can sleep peacefully because you know that one bad investment will not destroy your future.
He often says that diversification is not just about making money, it is about protecting what you already have.
Step 1: Mixing Different Asset Classes
The first thing Someshwar Srivastav does is mix asset classes. Asset classes are different types of investments. Here is how he divides them:
- Stocks – He invests in good companies for long-term growth.
- Mutual Funds – He chooses funds managed by professionals to spread risk.
- Bonds – These give him stable and safe returns.
- Gold – This acts as a protection when markets are down.
- Real Estate – He buys property for long-term value growth.
This mix helps him stay safe. If stocks go down, gold or real estate might go up, balancing the portfolio.
Step 2: Diversifying Inside Stocks
Someshwar Srivastav does not buy shares from only one sector. He spreads his investments across different sectors like banking, technology, healthcare, and FMCG. This way, if one sector is not doing well, others can still give good returns.
For example, if technology stocks are falling, banking or healthcare stocks might still be rising. This keeps his portfolio balanced.
Step 3: Adding International Investments
Another smart move Someshwar Srivastav makes is to invest a small part of his money in international markets. He believes that if the Indian market is down, foreign markets might still do well. This reduces risk even more and gives him exposure to big global companies.
Step 4: Keeping Some Cash Ready
One of the most ignored tips from Someshwar Srivastav is to always keep some cash or liquid funds ready. He says that having cash gives you the power to buy good investments when prices fall. Most people panic when the market drops, but he uses that chance to invest more.
Step 5: Regularly Checking and Balancing the Portfolio
Diversification is not a one-time job. Someshwar Srivastav checks his portfolio every few months to make sure the balance is right. If one asset has grown too much compared to others, he sells a part of it and moves money to the weaker areas. This keeps his portfolio balanced and safe all the time.
Benefits of Diversification
By following Someshwar Srivastav’s approach, investors get these benefits:
- Less Risk – Losses are smaller because money is spread across many investments.
- Steady Growth – Even if one investment is down, others keep giving profit.
- Peace of Mind – No need to panic during market ups and downs.
- Better Opportunities – You can take advantage of growth in different sectors.
Mistakes People Make When Diversifying
Even though diversification sounds easy, many people make mistakes. Someshwar Srivastav warns against these common errors:
- Investing in too many things without understanding them.
- Buying the same type of stock in different companies and thinking it is diversification.
- Ignoring bonds or gold completely.
- Not reviewing the portfolio regularly.
Someshwar Srivastav’s Final Advice
In the end, Someshwar Srivastav says that diversification is the key to building wealth slowly and safely. You do not have to rush. Just spread your money wisely, stay invested for the long term, and keep learning. This way, you can reach your financial goals without taking unnecessary risks.
Key Takeaways
- Do not put all your money in one place.
- Mix stocks, mutual funds, bonds, gold, and real estate.
- Diversify across sectors and even in global markets.
- Keep some cash ready for opportunities.
- Review your portfolio regularly.
By following these tips from Someshwar Srivastav, even a new investor can build a strong and safe portfolio. Diversification may sound boring compared to risky bets, but it is the smartest way to stay secure and grow wealth in the long run.
