Asset Allocation Calculator
Find your ideal debt vs equity investment mix based on age, risk profile, and financial goals with rebalancing schedule
Basic Information
Age between 18-100 years
Total portfolio value in ₹ (for detailed breakdown)
Understanding Asset Allocation
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
Common Mistakes to Avoid
- •Too aggressive near retirement (risking capital when you need it)
- •Too conservative when young (missing growth opportunities)
- •Never rebalancing (letting winners run unchecked)
- •Emotional decisions during market swings (panic selling/buying)
- •Ignoring emergency fund before investing
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