🧭 Asset Allocation

Risk quiz that suggests an equity / debt / gold split.

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.
Inputs
1. How long is your investment time horizon?
2. How would you react if your portfolio fell 20% in a month?
3. What is your primary investment goal?
4. How stable is your income?
5. How much investing experience do you have?
Pro tip

The right allocation is the one you can hold through a 30% drawdown without selling. If the suggested equity share makes you uncomfortable, drop to the next conservative bucket — a portfolio you abandon at the bottom is the expensive one.