Investment Portfolio Calculator
Updated July 2026
Asset allocation drives most of a portfolio's outcome — more than fund selection does. Model your split across equity, debt and gold to see the blended expected return.
Investment Portfolio
Frequently Asked Questions
What is a good asset allocation?
A common heuristic is to hold roughly (100 − your age)% in equity, with the rest in debt. It is a starting point, not a rule — your horizon and risk tolerance matter more.
Why does allocation matter more than fund choice?
Studies consistently find the equity/debt split explains most of the variation in portfolio returns over time. Picking the right fund is a smaller lever than picking the right mix.
How often should I rebalance?
Annually, or when an allocation drifts more than about 5% from target. Rebalancing enforces selling high and buying low.