A starting allocation from age, horizon and how you behave in a fall. The age rules are a heuristic and nothing more, so the page shows what the rule gave before the adjustment and what moved it.
Also called: asset allocation by age, equity debt split.
75% equity, 20% debt and 5% gold at age 35, with 25 years to retirement. The 110 minus age rule gives 75% equity at 35. It is a heuristic and not a finding. Your stated tolerance left the rule unchanged.
An estimate, not an offer or a guarantee. Projected returns assume the rate you entered holds for the whole term, which no market does.
| Asset | Share | Amount | Role |
|---|---|---|---|
| Equity | 75% | ₹7,50,000 | Growth, and the source of the volatility |
| Debt | 20% | ₹2,00,000 | Stability and the rebalancing reserve |
| Gold | 5% | ₹50,000 | Diversifier, not a growth asset |
| Cash | 0% | ₹0 | Held separately from the invested portfolio |
This is what the calculation gives for the numbers you entered. It is an estimate, not advice, and it knows nothing about your situation beyond those numbers. Rules for India change on a published schedule; the effective date is shown on every rule-based tool.
The age rules encode one true idea, that a longer horizon can absorb more volatility, and they encode it crudely. Age is a proxy for horizon, so where the retirement age given implies a different horizon than the age alone suggests, the page says so. The tolerance adjustment matters more than the rule: an allocation you abandon in a fall is worse than a smaller one you hold, because selling in a drawdown converts a paper loss into a real one. The gold sleeve is a small diversifier here and not a growth asset.
the rule sets a starting equity share from age alone, and the adjustment moves it toward what you can actually hold through a fallEach of these is asserted on every build. If a change to the engine ever moved one of these answers, the build would fail before the page could print it.
Equity75%
110 - 35, with no tolerance or horizon adjustment at exactly 25 years
Open this exampleEquity60%
boundary: the same age, 15 points less equity because the money is needed sooner
Open this exampleFormula version 1.0.0 · definition 1.0.0 · India · Report a problem with this calculator