The classic rule starts equity at 100 minus your age and shifts it for how much volatility you can live with and how long the money stays invested. The mix below follows that rule; the table shows how it changes across ages.
Age
Years before the money is needed
yrs
Risk appetite
Amount to allocate (optional)
₹
₹10.00 LGold share
%
5–15% is the usual hedgeResults
Equity65%large 39 · mid 16 · small 10
Debt25%government, corporate and short-duration funds, PPF, EPF
Gold10%sovereign gold bonds or gold funds
Allocation in Rupees
Equity · large cap₹3,90,00039% of ₹10,00,000
Equity · mid cap₹1,60,00016% of ₹10,00,000
Equity · small cap₹1,00,00010% of ₹10,00,000
Debt₹2,50,00025% of ₹10,00,000
Gold₹1,00,00010% of ₹10,00,000
Rebalance once a year or when a part drifts five points from its target. The investor profile quiz helps settle the risk appetite.
The mix
The rule across ages, for this risk appetite and horizon
| Age | Equity | Debt | Gold |
|---|---|---|---|
| 25 | 75% | 15% | 10% |
| 30 | 70% | 20% | 10% |
| 35 (your age) | 65% | 25% | 10% |
| 40 | 60% | 30% | 10% |
| 45 | 55% | 35% | 10% |
| 50 | 50% | 40% | 10% |
| 55 | 45% | 45% | 10% |
| 60 | 40% | 50% | 10% |
| 65 | 35% | 55% | 10% |
Assumptions & formula
Equity = 100 − age, −15 points for a conservative appetite, +10 for an aggressive one; capped at 20 / 40 / 60% for horizons under 3 / 5 / 8 years and kept between 10 and 85% · Debt = 100 − equity − gold · equity split large / mid / small 60 / 25 / 15 (75 / 20 / 5 conservative, 50 / 30 / 20 aggressive)- A rule of thumb used widely by planners; your income stability, liabilities and existing holdings (EPF, property) change the right answer.
Calculators are for information and planning. Outputs depend on the inputs and assumptions you enter and are not a recommendation to buy, sell or hold any security or product. Streetgains Technologies Private Limited is a SEBI Registered Research Analyst (INH000017082); it is not a loan provider, tax adviser or mutual fund distributor.