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A 25-year-old starting their first job with a ₹6 lakh CTC and investing ₹10K/month often thinks asset allocation means a fixed split between equity, debt, and gold. Mr. Manish Banthia, Chief Investment Officer – Fixed Income at ICICI Prudential Mutual Fund, explains this correctly in the Fund Manager series episode hosted by Kushal Lodha. He highlights how true allocation means understanding where assets like emerging markets, China, Brazil, or gold sit in their cycle, and adjusting exposure instead of following a static formula. Watch this episode for sharper investing insights beyond the basics. Click the link in bio, to watch the full episode! [Diversified Portfolio, Equity Gold Debt, Investment Strategy India, Mutual Funds India, Wealth Creation India, Fund Manager Insights, Smart Investing India, ICICI Prudential Mutual Fund, Asset Allocation]