Asset Allocation Calculator
For a 30-year-old with a moderate profile, this rule-of-thumb tool suggests 60% equity, 30% debt, 7% gold and 3% cash.
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Asset allocation is how you divide money between asset classes. This tool suggests a split based on your age (capping equity at 110 minus age) and a conservative, moderate or aggressive profile.
Example
For a 30-year-old with a moderate profile, the suggested mix is 60% equity with the rest across debt (30%), gold (7%) and cash (3%). On ₹10,00,000 that is ₹6,00,000 in equity.
Asset Allocation Calculator scenarios
| Age | Conservative | Moderate | Aggressive |
|---|---|---|---|
| 25 | 30 / 50 / 12 / 8 | 60 / 30 / 7 / 3 | 80 / 12 / 5 / 3 |
| 35 | 30 / 50 / 12 / 8 | 60 / 30 / 7 / 3 | 75 / 15 / 6 / 4 |
| 45 | 30 / 50 / 12 / 8 | 60 / 30 / 7 / 3 | 65 / 21 / 9 / 5 |
| 55 | 30 / 50 / 12 / 8 | 55 / 34 / 8 / 3 | 55 / 27 / 11 / 7 |
| 65 | 30 / 50 / 12 / 8 | 45 / 41 / 10 / 4 | 45 / 33 / 14 / 8 |
| 70 | 30 / 50 / 12 / 8 | 40 / 45 / 11 / 4 | 40 / 36 / 15 / 9 |
What changes the result
- Age, through the 110-minus-age cap on equity.
- Risk profile: how large a temporary fall you can tolerate without selling.
- Goals and time horizon — money needed within a few years usually sits in debt or cash.
- An emergency fund and insurance, which should come before a long-term allocation.
How to use this calculator
- Enter your age.
- Enter the total amount you want to allocate.
- Choose a conservative, moderate or aggressive profile.
- Read the suggested percentages and rupee amounts for equity, debt, gold and cash.
Asset Allocation Calculator FAQs
Is this personalised advice?
No. It is a rule-of-thumb starting point. Your goals, income stability and existing investments matter too.
How often should I rebalance?
Many investors review their mix once a year, or when an asset class drifts more than about 5 percentage points from its target. Selling to rebalance can trigger capital gains tax.
Do EPF and PPF count as debt?
Yes. Balances in EPF, PPF, fixed deposits and debt funds are usually counted in the debt share when you check your overall allocation.
Results are estimates for planning only and are not financial, tax or investment advice. Check figures with your bank, fund house or tax adviser before acting on them.