What is Asset Allocation? — Meaning, Definition & Example
Definition
Asset allocation is the strategy of dividing your investment portfolio among different asset categories — equity, debt, gold, and real estate — based on your age, risk tolerance, financial goals, and time horizon. A common rule of thumb is equity percentage = 100 minus your age.
A 30-year-old could allocate: 70% equity (SIP + stocks), 15% debt (PPF + FD), 10% gold (SGB), 5% liquid (emergency fund). At 50, shift to 50% equity, 30% debt, 15% gold, 5% liquid.
🇮🇳 Asset Allocation in Hindi / हिंदी में
एसेट एलोकेशन — एसेट एलोकेशन अपने निवेश पोर्टफोलियो को विभिन्न परिसंपत्ति श्रेणियों — इक्विटी, डेट, सोना और रियल एस्टेट — में विभाजित करने की रणनीति है।
Asset Allocation (Hinglish) — Asset allocation apne portfolio ko alag asset categories — equity, debt, gold, real estate — mein divide karne ki strategy hai. Common rule: equity % = 100 minus aapki age.