Calculators / Investments & growth
Investments & growth
Asset allocator
'Safe' all-FD money loses to inflation. Low risk isn't no risk. A split that actually grows.
About the asset allocator
The asset allocator suggests a split across equity, debt, and gold based on your age and comfort with risk. It is a starting frame, not a prescription.
How is the split decided?
A common rule of thumb is to hold roughly 100 minus your age in equity, then adjust for how much volatility you can actually stomach. The tool does this and you tune it.
Why hold debt and gold at all?
They cushion the falls. When equity drops, a portfolio with some debt and gold falls less, which makes it far easier to stay invested and not sell at the bottom.
How often should I rebalance?
Once a year is plenty for most people. Rebalancing sells a little of what ran up and buys what lagged, which enforces buy low, sell high without any forecasting.