Plan where every rupee goes

A tool that splits your monthly investment across asset classes (equity, debt, gold, cash) based on your risk profile and goals. It gives you exact rupee amounts to invest in each category.

Research shows allocation explains over 90% of your portfolio's returns over time — far more than stock picking or timing. It determines your risk and return profile.

A common rule is to save 20-30% of your income. The exact amount depends on your goals, time horizon, and expenses. Start with what you can and increase over time.

Conservative if you prioritize capital protection. Moderate for balanced growth. Aggressive if you can tolerate volatility for higher long-term returns. Consider your time horizon too.

Depends on your profile and horizon. Conservative: 30-40%. Moderate: 50-60%. Aggressive: 70-80%+. A common rule is equity % = 100 − your age.

Yes, a small allocation (5-10%) helps hedge inflation and currency risk. Gold often moves independently of equity, reducing overall portfolio volatility.

Enough to cover 6-12 months of expenses as an emergency fund, plus any near-term goals. Beyond that, too much cash loses to inflation. Typically 5-10% of your portfolio.

Buying or selling assets to return to your target allocation. If equity grows to 65% from a 50% target, you sell equity and buy debt to get back to 50/50.

Once a year is enough for most investors. You can also rebalance when any asset class drifts more than 5% from its target. Avoid rebalancing too frequently.

Yes. Younger investors can hold more equity because they have time to recover from downturns. As you approach retirement, shift toward debt and cash to protect capital.

A rough guide: subtract your age from 100 to get your equity allocation. At 30, 70% equity. At 60, 40% equity. It's a starting point, not a strict rule.

Yes, and you should. Each goal has its own time horizon. A retirement goal 25 years away can be equity-heavy. A home down payment 3 years away should be debt-heavy.

Typically 30-40% equity, 40-50% debt, 10% gold, and 10% cash. It prioritizes capital protection over growth, suitable for near-retirees or risk-averse investors.

Typically 70-80% equity, 10-15% debt, 5-10% gold, and minimal cash. It maximizes long-term growth but comes with higher volatility. Suitable for young investors with long horizons.

Real estate is an asset class, but it's illiquid and lumpy. If you own property, count it in your overall net worth but manage your liquid portfolio allocation separately.

Inflation erodes cash and fixed-income returns. Equity and gold historically outpace inflation over long periods. Keep enough growth assets to protect purchasing power.

A planned shift from equity to debt as you approach a goal — like retirement. Target-date funds use glide paths, gradually becoming more conservative over time.

Be mindful of taxes. Rebalance using new contributions first, or in tax-advantaged accounts. If selling, prefer assets held over a year for long-term capital gains treatment.

Allocation is the split across asset classes (equity vs debt). Diversification is spreading within each class (large-cap vs mid-cap, government vs corporate bonds). Both matter.

Typically 4-6 funds across categories are enough. More funds don't add diversification — they just create overlap and complexity. Focus on asset allocation first.

Yes. Life changes — marriage, children, job changes — should prompt a review. Major market shifts may also warrant rebalancing. Review at least annually.

A pre-built allocation designed for a specific risk profile or goal. Advisors and robo-advisors use model portfolios to simplify investing. You can use one as a template.

More equity means higher expected returns but bigger swings. More debt means lower volatility but lower returns. Your allocation determines your risk-return profile.

No. A financial plan covers goals, savings, insurance, taxes, and estate planning. Asset allocation is the investment component of that plan.

Your risk profile describes how much volatility you can tolerate — conservative, moderate, or aggressive. It's determined by your time horizon, income stability, and emotional comfort with losses.

Robo-advisors automate allocation and rebalancing based on your risk profile. They're low-cost and convenient. Good if you want a hands-off approach with disciplined rebalancing.

No. It manages risk and balances potential return. Markets can still fall. But a well-diversified allocation reduces the chance of catastrophic losses and helps you stay invested.

No. Everything runs in your browser. Nothing is uploaded, tracked, or stored. Your financial figures never leave your device. Download the PDF or take a screenshot to save a record.