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A generic, rules-based split across asset classes — not a recommendation to buy any specific stock, fund or FD. It’s the kind of starting framework found in standard investor-education material, adjusted for your age, horizon and a short risk-tolerance questionnaire.
If your portfolio dropped 20% in a month, what would you do?
How would you describe your investing experience?
What matters more to you right now?
How stable is your income?
This breaks your total down by asset class and points you to the right category of tool — it never names a specific stock, fund or FD to buy.
Research individual companies with the Screener (sort by Buffett Score), or use a broad index fund/ETF for instant diversification instead of picking single names.
Open Screener →Compare current FD rates across banks, or look at debt mutual funds for slightly better post-tax efficiency depending on your slab.
Compare FD rates →Gold ETFs or Sovereign Gold Bonds (SGBs) are the common low-friction, low-storage-hassle ways to hold this — SGBs also pay a small annual interest.
Browse ETFs →Keep this in a savings account or a liquid mutual fund — the point is same-day access, not yield.
Emergency fund calculator →