It's up to you to choose from the various segments.
E (equity): The equity investment is capped at 50 per cent of the investor's money and will only constitute index funds that replicate the Sensex or Nifty.
C (credit risk bearing instruments): Liquid funds, corporate debt, which are fixed return instruments issued by companies, fixed deposits and bonds (public sector, municipal, infrastructure).
G (government securities): State and central government securities.
If you cannot decide, the 'Auto Choice' comes into effect whereby the investment is determined by a predefined portfolio. Depending on your age, an allocation is made between the three classes of investment mentioned. For instance, up to 35 years of age, 20 per cent of the portfolio will be in G. But by the time you are 55, it will stand at 80 per cent.
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