Portfolio Analyzer
Enter what you hold today to see your asset mix, the range that suits your age and risk profile, and what to fix. Saved only on this device.
Your mix vs the suggested range
| Asset class | Yours | Suggested | To rebalance |
|---|
The cash you need for 6 months of expenses is set aside as your emergency fund and left out of this comparison. Your real estate is shown in the chart but not included in rebalancing. Rebalancing is easiest by changing where your new SIPs go, instead of selling and paying tax.
What we found
How to Use the Portfolio Analyzer
- Enter your age, monthly expenses and risk profile. Choose conservative if a 20% fall would make you sell, aggressive if you’d stay invested through a 40% fall, and moderate if you’re somewhere in between.
- Add today’s value of what you hold, by type. Your mutual fund statement (CAS), EPF passbook, PPF account and bank statements have the numbers. Rough values are fine.
- Read your results: your asset mix, the range that suits you, how much to move to rebalance, and anything worth fixing, like a small emergency fund or too many funds.
Why Asset Allocation Matters More Than Fund Picking
How you split your money between equity, debt and gold decides most of your long-term return – and how much your portfolio falls in a bad year. A portfolio that’s 90% equity can drop by a third in a crash; one that’s 90% FDs and PPF may not beat inflation after tax. The right mix sits between the two, and it changes as you get older.
How We Work Out Your Suggested Range
| Asset class | Suggested share |
|---|---|
| Equity | Start with 100 minus your age (kept between 20% and 80%). Conservative: 15 points less. Aggressive: 10 points more. We allow 5 points either side. |
| Gold | 5–10%, as a cushion when stock markets fall |
| Debt and fixed income | The rest – EPF, PPF, FDs, debt funds and spare cash |
For example, a 32-year-old with a moderate risk profile gets a suggested equity share of 63–73%. A 55-year-old conservative investor gets 25–35%.
A few holdings count towards more than one class. Hybrid funds count as 70% equity and 30% debt, and NPS counts as half equity and half debt. Six months of expenses in cash is set aside as your emergency fund and left out of the comparison, and property is shown in your chart but not included in rebalancing.
What the Health Checks Look For
- Emergency fund: at least 6 months of expenses in cash or liquid funds. Read how much emergency money you really need.
- Mid- and small-cap share: a warning if they make up more than half your equity, since they can fall 40–60% in a bad year.
- Direct shares: a warning above 25% of your investments, because a few stocks can fall sharply.
- Too many funds: more than 8 funds usually means overlap – the same stocks held several times.
- Crypto: a warning above 5% of your financial assets.
- Property: a note if it’s more than half your net worth, since it’s hard to sell quickly.
Returns We Assume
The expected return is a rough long-term average a year, before tax and inflation. It isn’t a promise – equity returns in particular swing widely from year to year.
| Holding | Assumed return |
|---|---|
| Large-cap and index funds | 11% |
| Flexi-cap, multi-cap, ELSS funds and direct shares | 12% |
| Mid-cap / small-cap funds | 13% / 14% |
| International funds | 10% |
| Hybrid funds | 10% |
| NPS | 9.5% |
| EPF | 8.25% |
| PPF and Sukanya Samriddhi | 7.1% |
| FDs, RDs, debt funds | 7% |
| Gold | 8% |
| Spare cash in savings | 3% |
How to Rebalance Without Paying Extra Tax
- Redirect new money first. Send your new SIPs and savings to the asset class that’s short. This costs nothing and often fixes the gap within a year or two.
- Use the yearly tax-free limit. Long-term gains on equity funds are tax-free up to ₹1.25 lakh a year, so if you must sell equity, spread it across years.
- Review once a year, not every time markets move. Rebalance only when you’re more than about 5 points outside your range.
Questions People Actually Ask Us
Where is my data saved? Only in your own browser, on this device. Nothing is sent to us or anyone else. Use “Clear all” to delete it.
Will it tell me which funds to buy? No. This tool gives guidance at the level of asset classes only. For fund-specific advice, speak to a SEBI-registered investment adviser. If you want a simple, low-cost start, read our guide to index fund investing.
Should I count my EPF? Yes. EPF is often the biggest debt holding for salaried people, and leaving it out makes your portfolio look more equity-heavy than it is. See our complete guide to EPF.
Does the jewellery I wear count as gold? Only count gold you’d be willing to sell. Most families never sell wedding jewellery, so it’s fair to leave it out. Read gold vs mutual funds for more.
Want a wider look at your finances? Take our 2-minute Financial Health Check.
Disclaimer: This analyzer is for educational purposes only. It uses general rules of thumb and assumed returns, and it doesn’t recommend any specific fund, stock or product. It isn’t investment advice. For personalised advice, please consult a SEBI-registered investment adviser. See our full Disclaimer.