Calculator
Asset Allocation
A starting point for splitting your investable corpus across equity, debt and gold.
dhanmetrics.com · Educational illustration only · Not investment advice
Recommended allocation
Equity · Debt · Gold
Equity
70.0%
₹7,00,000
Debt
20.0%
₹2,00,000
Gold
10.0%
₹1,00,000
Implementation pointers
- Equity: mostly index funds (Nifty 50, Nifty Next 50) + flexi-cap. Skip thematic funds unless you know why.
- Debt: short-duration funds + EPF/PPF. Avoid credit-risk funds.
- Gold: SGB (Sovereign Gold Bonds) when issues are open, otherwise gold ETF — never jewellery.
What this means
The suggested split balances expected return against the volatility a typical investor at your age and risk appetite can stomach without panicking. Rebalance back to these weights once a year — it forces buying low and selling high without thinking about it.
Educational illustration only — total corpus modelled: ₹10,00,000. Review allocation annually and rebalance when any sleeve drifts by >5 percentage points.
Adjust your scenario
Type, drag, or tap a chip — the result on the right updates instantly.
Your profile
Uses the “100 minus age” rule as a baseline, then tilts for your risk appetite. Gold acts as the inflation hedge.
Total you're willing to deploy across asset classes — this drives the ₹ split.