What is the best passive index combination for long-term wealth building? In this video, we analyse 20 years of data across four major Nifty indices — Nifty 50, Nifty Next 50, Nifty Midcap 150, and Nifty Smallcap 250 — to determine the optimal allocation for a passive investment portfolio. Whether you invest through SIPs or lump sums, this deep dive will help you understand which portfolio combination delivers the best returns and risk-adjusted performance. Here's what we have covered in the video: - Which index combination performs best over 20 years of historical data - SIP vs Lump Sum: Which allocation works better - Return comparison: Aggressive vs Balanced vs Conservative portfolios - How volatility and drawdowns affect long-term wealth - Why overexposure to mid and small caps may hurt stability - How disciplined rebalancing improves long-term outcomes - How to decide your ideal large-cap, mid-cap and small-cap allocation Indices Covered - Nifty 50 - Nifty Next 50 - Nifty Midcap 150 - Nifty Smallcap 250 These represent the full Indian market-cap spectrum, making them perfect for a diversified passive portfolio. Key Takeaways - The aggressive portfolio delivers slightly higher returns — but with significantly higher volatility. - The balanced and conservative portfolios offer comparable returns with much lower risk. - Risk-adjusted returns favour the conservative allocation. - In SIPs, too, performance differences narrow — reinforcing that consistency matters more than aggression. - Long-term success depends more on discipline and rebalancing than chasing the highest-return index. Here's our playlist on passive investments: https://www.youtube.com/playlist?list=PLeKo6nJG1Qj0Zn-yGyTbC7cT6u5z0GZaV 👉 To invest in top Mutual Funds, download the ET Money app: https://etmoney.onelink.me/unJQ/5ca1ae3b 👉 Subscribe to ET Money Hindi https://www.youtube.com/channel/UCzWtyDo9KmEC1JoAqa1LIEw 👉 Follow us on: ► Facebook: https://www.facebook.com/ETMONEY/ ► Twitter: https://twitter.com/etmoney ► Instagram: https://www.instagram.com/etmoney_official/ ► LinkedIn: https://www.linkedin.com/company/et_money/ ► WhatsApp: https://whatsapp.com/channel/0029VaB4nh0HltY56g6cA81b View the detailed disclaimer here: https://www.etmoney.com/disclosures