Republic Day 2026: Investment opportunities for defence families focus on goal-based planning

2 min read Updated on 23 Jan 2026, 07:07 PM

Reviewed by

Jubin VScanX News Team

Overview

Defence families celebrating Republic Day 2026 have access to diverse investment options including mutual funds, SIPs, equities, bonds, and multi-asset allocation strategies. Experts emphasize goal-based planning over product-led investing, with successive pay commissions creating steady surpluses for strategic investment. Financial advisers recommend structured approaches based on goal timelines, risk tolerance, and family responsibilities for long-term wealth creation and financial stability.

*this image is generated using AI for illustrative purposes only.

As India celebrates Republic Day 2026, defence families are presented with multiple investment opportunities to effectively manage their household surpluses. Financial experts emphasize that goal-based planning and long-term investment strategies have become increasingly important for aligning investments with life-stage priorities and family responsibilities specific to defence households.

Investment Options for Defence Families

Defence households in 2026 have access to a comprehensive range of financial products designed to meet various investment objectives. The available options cater to different risk profiles and investment timelines.

Investment Type	Primary Use Case
Mutual Funds & SIPs	Long-term objectives like education, retirement, wealth accumulation
Equities & Direct Stocks	Investors with longer horizons and market risk tolerance
Bonds & Fixed-Income	Stable returns and portfolio balance
Multi-Asset Allocation	Risk-based diversification across asset classes

Mutual funds and systematic investment plans have gained popularity for their suitability in achieving long-term financial goals. Equity investments are typically considered by those with extended investment horizons who can manage market-linked risks. Fixed-income instruments serve as portfolio stabilizers, while multi-asset allocation strategies allow families to diversify based on their specific risk tolerance and goal timelines.

Expert Guidance on Financial Planning

According to Harsh Gahlaut, Co-founder and CEO of FinEdge, defence families' investment decisions are significantly influenced by lifestyle goals including vehicle ownership, travel planning, quality education for children, and retirement preparation. He notes that successive pay commissions and improved benefits have created steady monthly surpluses for defence households.

Gahlaut emphasizes that structured financial planning serves as a crucial long-term roadmap for these families. He warns that without detailed planning, investment decisions may become reactive rather than strategic. The expert particularly cautions against product-led investing without proper guidance, noting its potential inadequacy for long-term wealth creation, especially during volatile market conditions.

Strategic Investment Approach

Financial advisers consistently recommend that investment effectiveness increases when decisions are based on goal timelines, risk tolerance, asset allocation, and family responsibilities rather than short-term market trends or product marketing. Many professionals suggest consulting advisers who can provide consistent guidance throughout career changes, postings, and different life stages.

Planning Element	Importance
Goal Timelines	Aligns investments with specific objectives
Risk Tolerance	Matches investment products to comfort levels
Asset Allocation	Ensures portfolio diversification
Family Responsibilities	Considers household-specific needs

The emphasis across the financial planning sector remains on aligning investments with household goals and timelines, conducting periodic portfolio reviews, and ensuring all decisions are intentional and structured. This methodology is presented as a comprehensive framework for achieving long-term wealth creation and maintaining financial stability specifically for defence families.

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1 min read Updated on 13 Jan 2026, 01:25 PM

Reviewed by

Radhika SScanX News Team

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Overview

Financial expert Vishwajeet Parashar provided comprehensive investment guidance on ET Now Swadesh's show, focusing on systematic investment planning and mutual fund selection strategies. The expert addressed investor queries about achieving substantial wealth creation goals through optimal portfolio construction and appropriate risk assessment. Parashar's recommendations emphasized the importance of understanding risk tolerance levels and selecting suitable investment avenues for long-term financial success.

*this image is generated using AI for illustrative purposes only.

Financial planning expert Vishwajeet Parashar recently shared valuable insights on achieving substantial wealth creation goals through systematic investment planning. Speaking on ET Now Swadesh's popular show 'Bano Apna Finance Minister', Parashar addressed investor queries about building optimal portfolios and selecting appropriate mutual fund schemes.

Expert Investment Strategy Framework

Parashar emphasized that successful investment planning requires a clear understanding of two fundamental aspects: identifying suitable investment avenues and determining appropriate risk tolerance levels. The expert's approach focuses on creating balanced portfolios that align with individual investor goals and risk profiles.

The financial expert addressed specific investor queries during the show, providing practical guidance on portfolio construction and fund selection strategies. His recommendations aim to help investors make informed decisions about their systematic investment plans and long-term wealth creation objectives.

Portfolio Construction Approach

During the interactive session, Parashar analyzed various investor portfolios and provided tailored recommendations based on individual circumstances. The expert's methodology involves evaluating existing investment allocations and suggesting improvements to optimize returns while managing risk effectively.

Investment Focus Areas:	Key Considerations
Risk Assessment:	Individual risk tolerance evaluation
Portfolio Balance:	Optimal asset allocation strategies
Fund Selection:	Performance-based mutual fund recommendations
SIP Planning:	Systematic investment amount determination

The expert's recommendations specifically addressed how investors can structure their systematic investment plans to achieve ambitious financial goals through disciplined investing approaches.

Mutual Fund Selection Criteria

Parashar's fund recommendations focus on schemes that demonstrate consistent performance and align with different investor risk profiles. The expert emphasized the importance of selecting funds based on long-term track records, fund management quality, and alignment with investment objectives.

The financial expert's guidance provides investors with practical frameworks for evaluating mutual fund options and building diversified portfolios. His approach combines systematic investment planning with strategic fund selection to help investors work toward their wealth creation targets through disciplined investment practices.