Wealth & protection
Portfolio Allocation Calculator
A transparent starting point for an asset mix.
Your figures
Equity
₹31,00,000
62% of the portfolio
- Debt & fixed income
- ₹14,00,000
- Gold & commodities
- ₹5,00,000
28% of the portfolio
10% of the portfolio
Suggested mix
- Equity₹31 L
- Debt & fixed income₹14 L
- Gold & commodities₹5 L
- This heuristic ignores everything that actually determines a suitable allocation: your goals, horizon, existing holdings, income stability, liabilities and tax position.
- Rebalancing back to the chosen mix once a year matters more than the precise starting split.
How this is calculated
Equity share ≈ (100 − age) adjusted ±15 points for risk appetite, clamped to 10–90%. Gold is held at 10%; debt takes the remainder.
An educational heuristic, shown with its own formula so you can see exactly where the numbers come from. It is a starting point for a conversation about allocation, not a recommendation for your circumstances.
Assumptions used
Any figure you enter overrides the assumption above for your calculation.
A transparent heuristic, not a recommendation
This allocation is produced by a simple published rule, shown alongside the result so you can see exactly where the numbers come from. It ignores everything that actually determines a suitable allocation: your goals, horizon, existing holdings, income stability, liabilities and tax position. It is a starting point for a conversation, not a recommendation for you.
Want this checked against your actual position?
A calculator works with the numbers you give it. A planner works with the ones you have — including the tax, protection and liquidity questions this tool does not ask.
Book a consultation