Holding equity, debt and gold?
Is your money spread the right way?
- Your mix against a target for your age
- How far off it is
- Four ways back, from selling to waiting
- Equity₹25 L69%
- Debt & cash₹11 L31%
Your mix against the target
- Equity₹25 L· take out ₹52K69% · target 68%
- Debt & cash₹11 L· take out ₹3.08 L31% · target 22%
- Gold₹0· add ₹3.6 L0% · target 10%
- Target Within 10 points: leave it
Your inputs
Keep your inputs as a file; it never leaves your device.
What this means
- EPF, PPF and NPS count as debt but can't be sold to rebalance.
Why?
Steer new money instead. NPS lets you pick its equity share once a year.
- Selling equity is taxed: 12.5% on long-term gains over ₹1.25 L a year.
Why?
Spreading sales over two financial years uses the exemption twice. Redirecting new money costs no tax at all.
- Property isn't in the mix. It can't be sold a slice at a time.
Why?
A house is a big bet on one place. That's a reason to keep the rest of your money well spread.
- Check once a year. Rebalance only when a part is more than 10 points off.
Why?
Smaller moves cost tax and effort for little gain. Your target also shifts as you get older.
More details
Four ways back
The same goal, at different costs and speeds. RupeeFrame doesn't pick one for you.
Leave it
Depends on returns- Gold today
- 0%
- In 5 yrs, if nothing changes
- 0%
- Target
- 10%
Assumes equity grows about 11% a year, debt and gold about 7%, and new money keeps today's mix.
Move it now
Guaranteed maths- Sell equity
- ₹52K
- Sell debt & cash
- ₹3.08 L
- Buy gold
- ₹3.6 L
- Tax on equity sold
- None
Tax assumes 30% of the equity is long-term gain, over the ₹1.25 L yearly exemption.
Send new money there
Guaranteed maths- Each month into
- ₹40K · gold
- On target in
- 2 yrs 11 mo
- Tax
- None
Before returns. Equity growing faster than the rest can make it take a little longer.
Add a lump sum
Guaranteed maths- Into gold
- ₹14 L
- Tax
- None
A bonus, a maturing FD or a gift can fix the mix without selling anything.
How it's calculated
- Equity target: 100 minus your age, 10 points less if you're cautious and 10 more for growth, kept between 20% and 80%.
- Gold: 10%. Debt & cash: the rest, counting FDs, debt funds, savings, EPF, PPF and NPS.
- When to rebalance: once a part is more than 10 points from its target.
- Tax on selling: equity sold is taken as held over a year: 12.5% plus cess on gains above ₹1.25 L a year. Selling debt funds or gold is taxed too, and isn't shown.
- Leave it: equity grows about 11% a year, debt and gold about 7%, with new money split as today.
These are rules of thumb, not advice on any product. Your own goals and dates matter more than your age.
Tax figures follow Budget 2025 rules, for FY 2025-26 onward.