🧭 Asset Allocation

Each answer is weighted and scored to produce a risk score, which maps to a model allocation along the risk spectrum — from conservative (debt-heavy) to aggressive (equity-heavy). The logic follows a widely used principle in portfolio construction: longer time horizons and higher risk tolerance support a higher equity allocation, since there's more time to recover from volatility. That is also why your mix ties into the horizon planning in Retirement Planning.

A 28-year-old investing for a 25-year retirement goal with high risk tolerance might get suggested a 75% equity / 20% debt / 5% gold split, while someone 5 years from retirement with low risk tolerance might see 30% equity / 60% debt / 10% gold.

Treating the suggested allocation as fixed forever rather than revisiting it as your time horizon shortens (e.g., approaching retirement) or your risk tolerance genuinely changes — allocation should evolve, not stay static for decades.

What it does

A five-question risk quiz that scores your time horizon, risk tolerance, and experience, then suggests an equity / debt / gold allocation.

When to use it

Use it to set or reset your asset mix, and after major life changes that shift your risk appetite.

Assumptions

• Higher equity shares historically produce higher long-run returns with more short-term volatility.
• The split is a target; you should rebalance back to it each year.