Get a personalised equity/debt/gold allocation recommendation based on your age, risk tolerance, and investment horizon. Compare your current portfolio to the ideal split.
Risk Tolerance
Current Allocation (%)
Recommended Allocation for You
68.0%
Equity
Stocks, MFs, ETFs
₹6,80,000
17.0%
Debt
FD, Bonds, Debt MF
₹1,70,000
10.0%
Gold
SGBs, Gold ETF
₹1,00,000
5.0%
Cash / Liquid
Savings, Liquid MF
₹50,000
Current vs Recommended
HOW IT WORKS
Input your age, investment horizon in years, and risk tolerance level.
Enter your current % in equity, debt, and gold to see how it compares.
See which asset classes you are overweight or underweight and by how much.
FAQ
A popular rule of thumb: keep (100 - your age)% in equity and the rest in debt. So a 30-year-old keeps 70% in equity, a 50-year-old keeps 50%. This calculator refines it further with risk tolerance and horizon.
Gold has low correlation with equity and acts as a hedge during market crashes and inflation spikes. A 5–15% gold allocation through SGBs or Gold ETFs is recommended for most Indian investors.
Rebalance when any asset class drifts more than 5% from the target, or at least once a year. Annual rebalancing around March-April (before financial year end) is a common practice in India.
No — F&O trading capital should be treated as high-risk speculative capital and kept separate from your long-term investment portfolio.
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