A personalized equity/debt/gold/REIT split based on your age, risk profile, horizon and life stage — including a real insurance-cost check, equity and debt sub-category detail, and an investment method guide. Free, instant, no login.
📩 Subscribe to the Daily Market ReportAge, wealth, risk appetite, horizon and life stage all shape a sensible split — every result below updates instantly as you adjust these.
Life and health insurance premiums come out of your income before anything gets invested — this is estimated from your age and life stage, not a slice of the allocation below.
Applied to your net investable amount — after the insurance cost above is set aside.
| Asset Class | % | Amount | Method | Why |
|---|
How the equity portion above splits across fund types and direct stocks.
| Category | Sub-Category | % of Equity | Amount | Method | Rationale |
|---|
How the debt and hybrid portion above splits across fund types.
| Category | Sub-Category | % of Debt/Hybrid | Amount | Method | Rationale |
|---|
What SIP, Lumpsum, STP and rebalancing are each best suited for.