Indian investors are encouraged to diversify their portfolios, with experts suggesting that at least 35% of financial assets should be allocated to securities outside of their home country. Ketul Sakhpara, co-founder and Chief Investment Officer of BayFort Capital, emphasized that global diversification not only shields portfolios from volatility but also enhances returns. This insight was shared during an event in Chennai, hosted by Akshat Jain, founder of Seeco Wealth, aimed at educating investors on the benefits of incorporating global stocks and private credits into their investment strategies.
Sakhpara noted that different markets do not always move in tandem. As one region may underperform, another can excel, thereby smoothing long-term returns. He remarked that investment opportunities previously accessible only to Ultra High Net Worth Individuals (UHNIs) are now available to High Net Worth Individuals (HNIs). Stocks in the innovation sector, which BayFort Capital focuses on, are listed primarily on global exchanges, thereby providing access to diverse growth drivers.
He cited the example of China, where the country’s GDP soared from the 2000s to the 2020s, yet their stock market yielded a mere 1% annual return. While India is expected to thrive economically, it’s not guaranteed that its stock markets will consistently reflect that growth. To mitigate risks, Sakhpara advised including uncorrelated assets in investment portfolios, referencing the historically low correlation between Indian and US indices.
The US market is particularly attractive for Indian investors due to the absence of taxes on investments made there, although returns are subject to taxation in India.
Akshat Jain, Director of Seeco Wealth, discussed opportunities in private credit within the real estate sector. Following the introduction of the Real Estate Regulation Act in 2016, funding requirements for real estate projects have become more formalized. Individual investors can now take advantage of an arbitrage opportunity by investing in debentures issued by developers, which yield between 15% and 17%. These debentures are backed by secure collateral structures, including mortgages and other financial assurances. Jain recommended that clients allocate 10% to 20% of their fixed income investments towards private credit as a viable strategy.
As investment landscapes evolve, these insights highlight the importance of approaching financial opportunities with a diversified and informed perspective.
Published on November 16, 2025.
