A score above 70 indicates a well-diversified portfolio. Scores below 40 suggest over-concentration in a single asset class, which increases risk without proportional reward.
How much should I allocate to gold in India?
Financial planners typically suggest 5–15% in gold for Indian investors. Gold acts as a hedge against inflation and currency depreciation. SGBs (Sovereign Gold Bonds) are the most tax-efficient way to hold gold.
Should equity always be the largest allocation?
For investors with a 7+ year horizon, yes. Equity generates the highest long-term returns in India (Nifty 50 CAGR ~12–14%). Shorter horizons should tilt toward debt to protect capital.
📬 Get Free FY 2025-26 Finance Updates
Tax changes, RBI rate updates, new calculators — straight to your inbox. 100% free, unsubscribe anytime.
✅ You're subscribed! Check your inbox for a confirmation.