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Asset Allocation Calculator India 2026 – Portfolio Strategy

Use this free Asset Allocation Calculator in India to design a balanced investment portfolio suited to your age, investment horizon, and risk appetite.

Build a diversified asset allocation strategy based on your goals and risk profile.

Stocks (%)

Bonds (%)

Real Estate / REITs (%)

Gold / Commodities (%)

Cash (%)

Total Portfolio ($)

Currency

Expected Annual Return

Expected Volatility

Est. Sharpe Ratio

10yr Projected

What is Asset Allocation?

Asset allocation divides your portfolio among asset classes. Each class has different returns, volatility, and correlations — combining them optimally maximises return for a given risk level.

Formula

Expected Return = Sum(Weight x Return) Expected Volatility = portfolio std dev using historical correlations

Examples

US — 60% Stocks, 25% Bonds, 8% REITs, 4% Gold, 3% Cash

Expected Return: 8.9% | Volatility: 11.2% | Sharpe: 0.71 | 10yr: ~$235,000

Global — 50% World stocks, 30% Bonds, 10% Gold, 10% Cash

Expected Return: 7.5% | Volatility: 9.1% | Sharpe: 0.66

Example — United Kingdom

£150,000 balanced portfolio, age 45: 40% global equities, 40% gilts, 20% property. Expected return: 6.2% p.a. | 20-year projected value: £490,000

Why Use This?

Research shows 90%+ of long-term return variability comes from asset allocation — not stock picks or market timing.

What is the classic 60/40 portfolio?▼

60% stocks + 40% bonds returned ~8.4% annually since 1926 with much lower volatility than 100% equity.

How often should I rebalance?▼

Annually, or when any class drifts more than 5% from target. Rebalancing enforces sell-high, buy-low discipline.

Should I include crypto?▼

Most advisors suggest 0-5% maximum. Treat crypto as speculative, not a core holding.

Tip: The Permanent Portfolio (25% each: stocks/bonds/gold/cash) has returned ~8% annually with low volatility since 1972.