Asset Allocation Calculator
Calculate optimal portfolio allocation based on age, risk profile, and investment goals
Age affects equity allocation
How long before you need funds
High Equity
Your portfolio is equity-heavy. Ensure you have emergency funds and can handle volatility.
Gold Hedge
2% in gold provides inflation hedge and portfolio diversification.
Global Diversification
17% in international equity reduces India-specific risks.
What is asset allocation?
Asset allocation is the process of dividing your investment portfolio among different asset classes like equity, debt, and gold to balance risk and returns based on your goals and risk tolerance.
How does age affect allocation?
Younger investors can afford more equity exposure for growth, while older investors typically need more debt for stability. The common rule is: Equity% = 100 - Age, adjusted for India's demographics.
Why include international equity?
International diversification reduces India-specific risks, provides currency diversification, and gives exposure to global growth opportunities in US and developed markets.
How much gold should I hold?
Financial experts recommend 5-10% gold allocation for Indian portfolios as an inflation hedge and portfolio diversifier. Gold often moves inversely to equities, providing balance.