Asset Allocation Calculator
Plan equity and debt allocation by age and portfolio size. Compare your chosen allocation with a simple age-based rule of thumb.
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अपने आँकड़े दर्ज करें। बदलाव के साथ अनुमान और चार्ट अपडेट होंगे।
Portfolio inputs
- Rule-of-thumb equity
- 75%
- Your equity amount
- ₹16,25,000
- Your debt amount
- ₹8,75,000
- Drift vs rule
- -10 percentage points
आपके आँकड़ों का मतलब
Your 65% equity is close to the 75% guideline for age 35.
It's within 10 points of the 110 − age rule of thumb; revisit it each year as the guideline eases toward debt.
Matching the guideline means shifting ₹2,50,000 from debt to equity.
You can also get there gradually by sending new investments to equity instead of selling.
By age 45, the guideline drops to 65% equity.
Shift toward debt gradually as your goals get closer, rather than all at once.
Benchmark is 110 − age, capped at 20–90% equity. This is a heuristic, not a suitability recommendation.
अपनी गणना समझें
Asset allocation decides how much of your portfolio sits in growth assets such as equity and how much sits in stabilisers such as debt. This calculator converts your chosen equity percentage into rupee amounts and puts it next to a simple age-based rule of thumb, so you can see how far apart the two are.
Asset Allocation Calculator क्यों उपयोग करें
Returns get the attention, but your allocation largely decides how big the swings in your portfolio will be. A clear equity-debt split helps you avoid a portfolio that's too aggressive close to a goal, or too conservative for money you won't touch for 15 years. Seeing the split in rupees, not just percentages, also makes it easier to plan where your next SIP or bonus should go.
एक नज़र में लाभ
Rupee split
See equity and debt amounts for your current corpus instead of working them out by hand.
Age-based benchmark
Compare your split against the 110-minus-age rule of thumb, kept between 20% and 90% equity.
Drift visibility
See how many percentage points your chosen allocation sits above or below the benchmark.
Asset Allocation Calculator कैसे उपयोग करें
- 1
Enter age
Use the investor's age or the age of the person whose goal the money is for.
- 2
Enter corpus
Use investible assets such as mutual funds, shares, PPF, EPF and deposits. Leave out your emergency fund and the house you live in.
- 3
Set equity allocation
Enter the equity share you hold today or want to hold.
- 4
Review split
Use the rupee split and the gap to the benchmark to plan new investments or rebalancing.
उदाहरण
35 years old, ₹25 lakh, 65% in equity
The rule of thumb gives 110 − 35 = 75% equity, which is inside the 20–90% range, so it stays at 75%. Your chosen 65% equity on ₹25,00,000 is ₹16,25,000 in equity and ₹8,75,000 in debt. The benchmark split would be ₹18,75,000 in equity and ₹6,25,000 in debt. Your drift is 65 − 75 = −10 percentage points.
- Age
- 35
- Corpus
- ₹25,00,000
- Your equity / debt
- 65% / 35%: ₹16,25,000 / ₹8,75,000
- Rule-of-thumb equity
- 75%
- Rule-of-thumb equity / debt
- ₹18,75,000 / ₹6,25,000
- Drift from benchmark
- −10 percentage points
Being 10 points below the rule isn't a mistake by itself. If a big goal is five years away, holding more debt can be the right call; the drift just tells you where you stand.
इसकी गणना कैसे होती है
The benchmark is rule equity % = 110 − age, kept between 20% and 90%. So anyone 20 or younger gets 90% equity, and anyone 90 or older gets 20%.
Your chosen equity percentage is kept between 0% and 100%, and debt is 100% − equity %. The rupee amounts are corpus × equity % and corpus × debt %, so they always add up to the corpus. The same is done for the benchmark split.
Drift is your equity % − rule equity %, in percentage points. A positive number means you hold more equity than the rule suggests, and a negative number means less.
मान्यताएँ और सीमाएँ
- Uses 110 minus age capped at 20–90% equity as an illustrative benchmark, not personalised advice.
- Chosen allocations are limited to 0–100% equity; equity and debt rupee amounts sum to corpus.
- Debt includes fixed income, deposits and debt funds.
- Gold, REITs and alternatives are not separately modelled.
अक्सर पूछे जाने वाले प्रश्न
What is a good equity allocation?
It depends on goal horizon, income stability and how you behave when markets fall. Money for goals 10 or more years away can usually carry more equity than money needed in three to five years.
Is 110 minus age always right?
No. It's only a starting rule. Your goal dates, other income such as a pension, and how you handled past market falls matter more than your age alone.
Should emergency fund be included?
Usually no. Emergency money should be planned separately and kept liquid in a savings account, sweep FD or liquid fund, so a market fall can't touch it.
Where do PPF and EPF go?
Count them as debt. They pay a set rate rather than tracking markets, so they reduce the equity share of your overall portfolio even if you don't think of them as investments day to day.
Should each goal have its own allocation?
Often, yes. Retirement money 25 years away and a house down payment in four years have very different needs. You can run the calculator once per goal with that goal's corpus and an equity share that suits its horizon.
How often should I check my allocation?
Once a year is enough for most people, plus after a big market move or a change in your goals. If the drift from your own target is large, the portfolio rebalancing calculator shows how much to move.
अंतिम बात
Use the asset allocation calculator as a starting point for how your portfolio is structured. Pick a target you can stick with through a bad year, write it down, and revisit it when your goals, age, income stability or market exposure change. When markets push you away from that target, the rebalancing calculator turns the gap into a rupee amount.
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