New Delhi, May 16 -- A 22-year old who has just started working with a monthly salary of Rs.1 lakh may have the advantage of time on their side when it comes to investing. However, if their goal is to pursue higher studies abroad within the next five years, the investment strategy will have to balance wealth creation, with capital protection and liquidity. These factors are important because the person would require access to these funds in the near future, and may also not have any income during the course of their studies abroad.

With overseas education costs rising for Indians due to tuition inflation and currency fluctuations, experts suggest building a portfolio that combines equity exposure for growth with safer debt instruments fo...