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Asset allocation is how you divide your money across different types of investments — chiefly equity (stocks and equity mutual funds), debt (bonds, FDs, PPF, EPF), and gold. Because these behave differently, the mix you choose shapes both how much your portfolio might grow and how bumpy the ride is along the way.
These are widely-discussed rules of thumb, shared here for education — not as a recommendation for your situation:
There is no single right answer — it depends on your goals, how long you are investing for, and how much short-term volatility you can stomach. Longer horizons generally allow more equity; money you will need soon usually sits in debt. This tool lets you compare mixes, but the choice is personal.
No. The equity, debt, and gold return figures are illustrative long-term assumptions for exploration only. Actual returns vary year to year and are never guaranteed.
Many long-term investors review their split once a year, nudging it back toward their target if markets have pushed it out of line. This tool shows a static projection and does not model rebalancing.
