Get your ideal equity, debt, gold and cash split based on your age, risk appetite and investment horizon. Live pie chart, rupee breakdown on your portfolio size, and recommended Indian funds for each bucket.
10-question assessment
Research consistently shows that over 90% of your portfolio's long-term return is determined not by which stocks or funds you pick, but by how you divide your money across asset classes. Getting your equity-debt-gold ratio right based on your age, risk tolerance and horizon is the most important financial decision you'll make.
At 30 with moderate risk, aim for 65-75% equity. A simple rule: equity % = 100 minus your age. At 30 that's 70% equity, 20% debt, 10% gold. With aggressive risk tolerance and 15+ year horizon, 75-80% equity is reasonable.
Rebalance once a year or when any asset class drifts more than 5-10% from target. In India, April (new financial year) is ideal as ELSS lock-ins often end then. More than 2 rebalances per year creates unnecessary tax events.
5-15% of portfolio is the standard recommendation. Gold outperforms when equity crashes and when the rupee depreciates. Prefer Sovereign Gold Bonds (8-yr maturity, capital gains tax-free) over physical gold or jewellery.
For tax efficiency: PPF (7.1% tax-free), ELSS-linked NPS, Sovereign Gold Bonds. For flexibility: Debt mutual funds (short duration, ultra-short, liquid). For guaranteed safety: FDs (fully insured up to ₹5 lakhs per bank per depositor under DICGC).
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