Asset Allocation Calculator
Get personalized portfolio recommendations based on your risk profile
Discover the ideal mix of equity, debt, and gold investments tailored to your risk appetite and financial goals.
Asset Allocation
💡 Tip: Select a risk profile that matches your investment goals and time horizon, or customize your own allocation.
Understanding Asset Allocation
Equity
- • High growth potential
- • Higher risk and volatility
- • Best for long-term goals
- • Expected return: 12-15%
Debt
- • Stable and predictable
- • Lower risk
- • Provides regular income
- • Expected return: 6-8%
Gold
- • Hedge against inflation
- • Portfolio diversification
- • Safe haven asset
- • Expected return: 7-9%
Risk Profiles Explained
Conservative (Low Risk)
Suitable for investors nearing retirement or with low risk tolerance. Focus on capital preservation with 60% debt, 30% equity, and 10% gold.
Moderate (Balanced Risk)
Ideal for investors with medium-term goals (5-10 years). Balanced approach with 50% equity, 40% debt, and 10% gold.
Aggressive (High Risk)
Best for young investors with long investment horizons. Growth-focused with 75% equity, 15% debt, and 10% gold.
Very Aggressive (Very High Risk)
For experienced investors seeking maximum growth with 90% equity, 5% debt, and 5% gold. Requires strong risk appetite and long time horizon.
Why Asset Allocation Matters
- Risk Management: Diversification reduces portfolio volatility and protects against market downturns
- Goal Alignment: Different asset classes serve different purposes in your financial plan
- Optimal Returns: Proper allocation balances risk and reward for maximum efficiency
- Regular Rebalancing: Review and adjust your allocation annually or when life circumstances change