Asset Allocation Calculator

What is Asset Allocation?

Asset allocation is the process of dividing your investments between different asset classes (equity and debt) based on your age, risk tolerance, and financial goals. It's one of the most important decisions in investing.

Why Age Matters

• Young (20-35):More time to recover from market volatility, can take higher equity exposure
• Middle-aged (35-50):Balance growth and stability as retirement approaches
• Near retirement (50+):Preserve capital, reduce risk, focus on income generation

The 100-Age Rule

Traditional approach: 100 - Your Age = Equity %. Modern variations use 110 or 120 for more aggressive allocation. This calculator uses all three strategies and adjusts based on your personal situation.

When to Rebalance

• •Annually on a fixed date (e.g., your birthday)
• •When allocation drifts by ±5% from target
• •After major life events (marriage, child, job change)
• •Every 5 years as you age into a new bracket