📊 Asset Allocation & Projected Returns
Type your own mix of equity, fixed income, REITs & InvITs and gold. Each field shows an indicative guide, and the table below shows what every asset class actually returned in rupee terms over 5, 10, 15, 20 and 25 years. Coming from the Risk Profiler pre-fills your suggested mix.
Your allocation
Debt / income sleeve = fixed income + REITs & InvITs. If the total isn't 100%, results use your weights scaled to 100%.
How is the guide calculated?
The guide is the suggested mix for your risk profile. Arrive from the Risk Profiler and it matches your result; open this page directly and it defaults to Balanced. The five tiers are conventional advisory starting points — equity rises with risk capacity, the income sleeve (fixed income + REITs/InvITs) falls to match, and gold stays ~8% as a diversifier:
| Profile | Equity | Fixed income | REITs & InvITs | Gold |
|---|---|---|---|---|
| Conservative | 25% | 55% | 12% | 8% |
| Moderate | 40% | 42% | 10% | 8% |
| Balanced | 55% | 28% | 9% | 8% |
| Growth | 70% | 14% | 8% | 8% |
| Aggressive | 80% | 6% | 6% | 8% |
These tiers are a house heuristic, not a regulated or official benchmark — treat them as a sensible starting point, then adjust for your goals, existing holdings and tax.
Return assumptions indicative, editable
Your investment
Projection
| Asset class | Weight | Return used |
|---|
What each asset class actually returned — rupee terms
Indicative annualised (CAGR) returns in ₹ to 2026. Use the buttons above to load any column into your assumptions.
| Asset class | 5 yrs | 10 yrs | 15 yrs | 20 yrs | 25 yrs |
|---|
Equity = Nifty 50 (total return). Fixed income = PPF / high-quality debt. Gold = INR price per 10 g. REITs & InvITs have only been listed in India since 2019, so only a ~5-year record exists — longer periods are shown as “—”.