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.
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
DETAILS
This section explains what the calculator does, what goes into the result, and how to interpret the output so you can apply it confidently.
This calculator turns a few key inputs into a clear output you can act on — a number that traders and investors commonly use for planning and decision-making.
Use it to compare scenarios quickly and to understand the trade-offs behind the final result.
Treat the output as a planning number. Small changes in inputs (time, rate, price, quantity, risk, or cashflows) can change the outcome meaningfully — so keep assumptions realistic.
If the tool returns multiple outputs, focus on the ones that drive decisions (e.g., net result, breakeven, or risk-adjusted value), not just the biggest number.
Age 32, Horizon 10 years, Risk tolerance: Moderate, Portfolio ₹10,00,000
Graphical view
Age 45, Horizon 3 years, Risk tolerance: Conservative, Portfolio ₹10,00,000
Graphical view
Shorter horizons cap equity exposure in the tool.
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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