Investment
Asset Allocation Calculator
Suggests a starting-point equity-to-debt split using the classic '100 minus age' heuristic — a rule of thumb, not personalized advice.
Your details
yrs
Suggested equity %
70.00%
Suggested debt %
30.00%
A common starting heuristic suggests roughly 70% equity and 30% debt at your age — treat this as a rough anchor, not a personalized recommendation.
This is a generic rule of thumb (100 − age = equity%). Your actual allocation should also weigh your risk tolerance, goals, and existing obligations — not age alone.
Total₹100
- Equity₹70
- Debt₹30
How this is calculated
Equity % = 100 − age (bounded between 10% and 90%). Debt % = 100 − equity %.
Frequently asked questions
Where does '100 minus age' come from?
It's a long-standing rule of thumb reflecting that younger investors have more time to recover from equity volatility, so can afford a higher equity share; some variants use 110 or 120 instead of 100 for a more aggressive tilt.
Should I follow this exactly?
No — it's a starting anchor. Your specific goals, risk tolerance, income stability, and existing assets should adjust it in either direction.
Does this account for my specific goals?
No — a goal 2 years away and one 20 years away shouldn't use the same allocation even for the same person; treat each goal separately rather than applying one blended number to everything.