Portfolio Planner

Build a portfolio that fits your life

A starting point for Indian investors. Your optimal asset mix depends on your age, risk tolerance and goals.

Step 1 — Pick your age group

Age group 30–40

Growth

Recommended mix

Peak earning years. Balance equity growth with stability for goals (home, kids).

Equity (Indian + International)
60%
Debt (PPF, EPF, debt funds)
25%
Gold
10%
Cash / Emergency
5%

Asset Allocation Quiz

What portfolio mix fits you?

Answer six quick questions. We'll suggest an indicative asset allocation based on your age and risk appetite.

Question 1 of 60%

Your age

Educational illustration only. Not investment advice. Your actual allocation should reflect your specific goals, debts and tax situation. Consult a SEBI-registered advisor before investing.

Risk & Returns Reference

How each instrument has performed

Indicative 5-year CAGR (2020–2025) and typical risk level for common Indian investment options. Past returns do not predict future results.

Sources: AMFI, NSE, RBI, India Post (as of 2025). Ranges reflect variation across schemes/managers. Equity returns are period-specific and unusually strong; use ~12% as a long-term equity planning assumption.

Educational illustration only. Actual allocation should reflect your goals, income stability, debts and risk tolerance. Consult a SEBI-registered advisor before investing.

Instrument	Category	5Y CAGR	Risk	Notes
Savings Account Cash Fully liquid. Barely beats inflation.	Cash	2.7–4%	Low	Fully liquid. Barely beats inflation.
Bank Fixed Deposit Debt DICGC insured up to ₹5L. Taxable interest.	Debt	6–7.5%	Low	DICGC insured up to ₹5L. Taxable interest.
PPF Small Savings 15-yr lock-in. EEE tax status.	Small Savings	7.1%	Low	15-yr lock-in. EEE tax status.
EPF Retirement Salaried only. EEE up to ₹2.5L/yr contribution.	Retirement	8.15–8.25%	Low	Salaried only. EEE up to ₹2.5L/yr contribution.
Debt Mutual Funds Debt Interest-rate & credit risk. Taxed at slab (post-Apr 2023).	Debt	5–7%	Low–Medium	Interest-rate & credit risk. Taxed at slab (post-Apr 2023).
Corporate Bonds (AAA) Debt Credit risk rises sharply below AA.	Debt	7–8.5%	Low–Medium	Credit risk rises sharply below AA.
REITs (Indian) Real Estate Rental yield + price. Interest-rate sensitive.	Real Estate	7–9%	Medium	Rental yield + price. Interest-rate sensitive.
Gold (SGB / ETF) Bullion Hedge against rupee & crises. Volatile short-term.	Bullion	13–15%	Medium	Hedge against rupee & crises. Volatile short-term.
Residential Real Estate Real Estate Illiquid. High transaction cost. Location-dependent.	Real Estate	5–7%	Medium	Illiquid. High transaction cost. Location-dependent.
Nifty 50 Index Fund Equity Large-cap diversified. ~15% drawdowns normal.	Equity	16–18%	Medium–High	Large-cap diversified. ~15% drawdowns normal.
S&P 500 (INR) Intl. Equity Currency diversification. USD/INR adds tailwind.	Intl. Equity	16–18%	Medium–High	Currency diversification. USD/INR adds tailwind.
Flexi-cap Mutual Funds Equity Active manager across market caps.	Equity	18–22%	High	Active manager across market caps.
Midcap Funds Equity Higher growth, deeper drawdowns (30%+).	Equity	24–28%	High	Higher growth, deeper drawdowns (30%+).
Smallcap Funds Equity Boom-bust cycles. Long horizon (7+ yrs) essential.	Equity	28–32%	Very High	Boom-bust cycles. Long horizon (7+ yrs) essential.
Direct Stocks Equity Concentration risk. Needs research & discipline.	Equity	Varies widely	Very High	Concentration risk. Needs research & discipline.
Crypto (BTC/ETH) Alternative 30% flat tax + 1% TDS. Extreme volatility.	Alternative	Highly variable	Very High	30% flat tax + 1% TDS. Extreme volatility.