Master Your Portfolio With Smart Asset Allocation
Get personalised investment allocation across equity, debt, gold, and cash—designed to match your risk profile and long-term financial goals.
Asset Allocation Calculator
Get personalized asset allocation recommendations based on your financial profile and goals
Personal Information
Financial Goals
Risk Tolerance
What Is an Asset Allocation Calculator?
An Asset Allocation Calculator helps you determine the ideal mix of investment assets—equity, debt, gold, and cash—based on your financial goals, investment horizon, and risk appetite.
Instead of guessing how much to invest in each category, the calculator gives a structured, data-driven portfolio aligned with your profile.
Why Asset Allocation Matters
A well-diversified portfolio is the foundation of long-term wealth creation. Proper allocation helps you:
Reduce portfolio risk
Maximise long-term returns
Maintain stability during market volatility
Align investments with financial goals
Avoid emotional decision-making
Asset allocation has a bigger impact on returns than individual stock picking—making it crucial for every investor.
How This Asset Allocation Calculator Works
The calculator analyses three major inputs:
1. Investment Horizon
Short-Term (0–3 Years)
Medium-Term (3–7 Years)
Long-Term (7+ Years)
Longer horizons typically allow for higher equity exposure.
2. Risk Profile
Conservative
Moderate
Aggressive
Your risk tolerance directly influences how much volatility you can handle.
3. Financial Goals
Whether you’re planning for retirement, buying a home, or building wealth, the calculator adjusts allocations to suit your needs.
Typical Allocation Models
Below are sample allocation structures the tool may generate:
Conservative Portfolio
Equity: 20%
Debt: 55%
Gold: 15%
Cash: 10%
➡ Best for investors seeking stability and low volatility.
Moderate Portfolio
Equity: 40%
Debt: 35%
Gold: 15%
Cash: 10%
➡ Balanced approach suitable for most long-term investors.
Aggressive Portfolio
Equity: 70%
Debt: 15%
Gold: 10%
Cash: 5%
➡ Designed for higher growth and long-term wealth creation.
Benefits of Using an Asset Allocation Calculator
Helps build a personalised portfolio
Reduces emotional investing
Protects you from market crashes
Increases long-term returns
Ideal for both beginners and experienced investors
Who Should Use This Calculator?
This tool is perfect for:
New investors seeking guidance
Long-term wealth creators
Anyone planning retirement
SIP investors
Investors facing market confusion
Those wanting stable and diversified growth
Disclaimer
The Asset Allocation Calculator provided on this website is for educational and informational purposes only. The results generated are based on general assumptions about risk tolerance, investment horizon, and market behaviour, and do not constitute financial, investment, or legal advice.
Market conditions can change rapidly, and past performance does not guarantee future returns. Investors should evaluate their financial situation, risk appetite, and investment goals before making any decisions.
You are encouraged to consult with a SEBI-registered financial advisor before acting on any information provided by this tool.
Finversify is not responsible for any losses arising from the use of this calculator or reliance on its output.
Frequently Asked Questions
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You can choose one or multiple offerings and pay through the respective 'Join Now' of the offerings. Once payment is done, you would be automatically added to the respective premium telegram channel where the trade calls will be shared on regular basis.
We share the thorough analysis to support our trading calls. We also recommend reviewing free trades and past trade tips to make an informed decision on our free telegram channel
While tips are based on analysis, there are no guarantees in trading, and users should exercise caution.