Age, risk profile and investment horizon → recommended equity/debt/gold split with rationale and pie-style bar breakdown.
Risk profile
Equity allocation
70% equity
The 100-minus-age rule suggests reducing equity as you age. This calculator adjusts for risk tolerance, horizon and inflation — aligned with SEBI's emphasis on investor suitability and diversified mutual fund categories (equity, debt, gold).
Last updated: 19 August 2026. Illustrative allocation — not personalised advice.
Asset allocation divides your portfolio across equity, debt and gold (or other diversifiers) based on age, risk tolerance and time horizon. SEBI-regulated mutual funds offer schemes in each category; suitability depends on your profile.
A common starting point: equity % ≈ 100 − age. This calculator adjusts for conservative (−10% equity), moderate (neutral) or aggressive (+10%) risk profiles, plus horizon and inflation-driven gold allocation.
Example: Age 35, moderate, 15-year horizon → base 65% equity, +5% for long horizon, ~10% gold, remainder debt.
Results show a stacked bar: green for equity, gold for gold ETFs/funds, blue for debt (bond funds, liquid funds, etc.). Percentages always sum to 100%.
Use the SIP calculator to plan monthly investments within your allocation, and NPS for retirement-specific equity-debt limits under PFRDA rules.
A classic heuristic: equity allocation ≈ 100 minus your age, with the remainder in debt. It reduces equity exposure as you age. This calculator adjusts the rule for risk profile and investment horizon.
Conservative investors get −10% equity; aggressive get +10%. Gold allocation is higher for conservative profiles (inflation hedge and diversification).
SEBI allows gold ETFs and gold mutual funds. A small gold allocation (5–20%) can diversify a portfolio and hedge inflation — especially when inflation assumptions are high.
No statutory percentage applies to retail investors. SEBI requires risk profiling and suitability disclosure by advisers. This tool gives an illustrative starting point aligned with common planning practice.
Long horizons (15+ years) allow more equity (+5%) because there is time to recover from downturns. Short horizons (<5 years) reduce equity (−10%) to protect capital needed soon.
Yes — review allocation annually or when goals change. Rebalancing sells winners and buys laggards to maintain target weights.
Age-based rules of thumb often suggest a higher equity share for younger investors with long horizons, then more debt/gold as goals near. Risk profile and goal timelines matter more than age alone. Use the sliders for illustration — not a SEBI-prescribed mix.
Yes for a full picture — EPF/PPF are debt-like retirement assets. Count them in the debt bucket when judging equity vs debt share, then rebalance only the investable surplus you control.
Disclaimer: SEBI requires advisers to assess suitability. This tool is educational, not investment advice.
Assets minus liabilities with liquidity and debt-to-asset ratio.
Project NPS corpus, lump sum, annuity and illustrative monthly pension.
Estimate SIP or lumpsum growth, reverse-solve for a goal, or calculate absolute return, CAGR and XIRR.
Plan multiple goals with inflation-adjusted targets and SIP needs.
SIP maturity with annual increases in monthly investment.
Corpus difference when annual return changes by one percentage point.
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