A strong asset base will ease Mishras' financial journey 

An unbalanced portfolio does not necessarily mean that the investor needs to make drastic changes to it. Though real estate is highly illiquid, it can come in extremely handy for long-term goals as returns from realty often trump those from other investment avenues. 

Similarly, while debt may not be the best route to earn high returns, it can provide valuable cushion in a volatile market and ensure capital protection.

These two factors make Shabd Kumar Mishra's portfolio near perfect de .. 
These two factors make Shabd Kumar Mishra's portfolio near perfect despite the anomalies.

 A businessman based in Agra, the 36-year old Mishra has ample time on his side, and with a few changes to the portfolio, he is certain to reach his goals with relative ease. A high income, of course, makes it a lot easier for the family.

Shabd lives with his wife Namrata, 34, who is a homemaker, and son Akshar, 5, in his own house worth Rs 1 crore. Besides this, he also has a commercial property wo .. 

RAJ GAURAV

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