New Delhi, May 3 -- A common challenge for many investors is maintaining a portfolio that balances safety with growth.One can adopt the 70:30 rule, where 70% of the portfolio is allocated to "Core" holdings-established companies with robust balance sheets, strong governance, and a history of compounding earnings. These stocks act as an anchor during turbulent periods. The remaining 30% is dedicated to "Tactical" calls, allowing investors to capitalize on emerging sectoral themes, turnaround stories, or shorter-term momentum plays. This balance ensures that while growth is pursued, the foundational capital remains protected.

Before committing capital, a primary filter should be the understanding of a company's business model. Investors sh...