Like scores of Indians, Mumbai-based Sanjay V.Shirodkar, 47, is a die-hard believer in real estate and swears by investments in fixed return instruments. It’s a different matter though that exposure to fixed return instruments should be better off being in terms of savings than investments. Likewise, having too much exposure to realty is being overly exposed to a single asset class, which comes with its share of illiquidity. The Shirodkar family includes Sanjay, his wife Sukhada, 45, who works with the Indian Overseas Bank, and their two children Sohan, 17, and Sailee, 12.