Portfolio Allocation Calculator

For the same age, an aggressive profile is suggested a higher equity percentage, a conservative profile a lower one, and a moderate profile falls in between — each profile uses its own age-based formula to cap the equity share.

This follows the common rule-of-thumb principle that younger investors can typically afford more equity risk (more time to recover from downturns), while allocations are suggested to shift toward debt as retirement approaches — a widely used heuristic, not a personalized recommendation.

No — the equity sleeve's 50/30/20 large/mid/small-cap breakdown and the debt sleeve's 60/40 FD-bonds/liquid-fund breakdown are fixed illustrative sub-splits applied to whatever equity/debt percentages your age and risk profile produce, not calculated specifically from your situation.

No, it's a rule-of-thumb illustration based on age and a self-selected risk category. It doesn't account for your specific goals, existing holdings, tax situation, or risk tolerance beyond the three broad categories offered.

Many investors review and rebalance their equity/debt mix periodically (e.g. annually) as markets move and their target allocation drifts, or as their age/risk profile changes over time.