Finance & Investment · Risk & Portfolio
Asset Allocation Calculator
Get a rule-of-thumb asset allocation — how much in equity, debt and gold — from your age, how much risk you can stomach and when you'll need the money, and see how far your current portfolio is from it and what to move.
Your inputs
Quick start — try a typical case
Aggressive: you'd hold on through a 30–40 % fall. Conservative: a 10 % fall would worry you.
₹ 20 lakh
Your result Live
Suggested Allocation
75% equity · 15% debt · 10% gold
₹15,00,000 in equity of your ₹20,00,000
- Age Rule (110 − age)
- 75% equity
- Cap for Your Time Horizon
- None (15+ years away)
- Equity Amount
- ₹15,00,000
- Debt Amount
- ₹3,00,000
- Gold Amount
- ₹2,00,000
- Equity · 75%₹15,00,000
- Debt · 15%₹3,00,000
- Gold · 10%₹2,00,000
Suggested vs your current portfolio
3 rowsThis is a rule-of-thumb starting point, not personal advice: your income stability, other assets (like a home or EPF, which is debt) and goals all matter.
Keep an emergency fund of 6 months' expenses outside this portfolio. Money needed within a year belongs in a savings account, liquid fund or FD.
How this is calculated
Equity % = min(100 / 110 / 120 − age, horizon cap); Gold = 5–10 % (none under 3 years); Debt = the rest
- 100 / 110 / 120
- Conservative / moderate / aggressive version of the age rule
- Horizon cap
- Under 1 yr: 0 %; 1–3 yrs: 15 %; 3–5 yrs: 40 %; 5–7 yrs: 60 %; 7+ yrs: 90 %
Asset allocation — how you split money between growth assets (equity), stable assets (debt) and diversifiers (gold) — drives most of a portfolio's risk and return. The classic '100 minus age' rule reduces equity as you get older; this calculator also limits equity for money you'll need soon, because a market fall just before you need the money can't be waited out.
Assumptions & sources
- Equity between 0 and 90 % of the portfolio.
- Gold limited to 5–10 % as a diversifier.
- EPF, PPF and FDs count as debt; your home doesn't count.
- 1Investor education material — SEBI — Securities and Exchange Board of India
- 2Mutual fund investor education (SIP, lumpsum, risk) — AMFI — Association of Mutual Funds in India
- 3Investments (Bodie, Kane & Marcus), chapters on returns, compounding and the time value of money — McGraw-Hill
Calculator ID FIN-PORT-ALLOC-001 · version 1.0.0
Common questions
Is '100 minus age' still valid?
It's a reasonable starting point. With longer lifespans many planners use 110 or 120 minus age for people comfortable with risk — the risk-appetite setting switches between these.
How often should I rebalance?
Once a year, or when an asset class drifts more than about 5 percentage points from its target. Use new investments to rebalance first, which avoids selling and tax.
Why any gold?
Gold tends to hold up when equities fall or the rupee weakens, so a small allocation smooths the portfolio's ride.