AI Investment Planner
Tell us your goal, budget and timeline. Get an asset allocation with specific monthly amounts and a realistic projection of where it could take you.
Designing your allocation...
Projections are estimates. Market returns are not guaranteed. Consult a SEBI-registered adviser for large sums.
How to build an investment plan
A workable plan starts with the goal, not the product. Once you know what the money is for and when you will need it, the right mix of instruments follows almost mechanically. Getting this order right avoids the common mistake of buying a popular fund and then hoping it fits.
Match the instrument to the horizon
| Horizon | Suitable instruments | Equity share | Why |
|---|---|---|---|
| Under 1 year | Savings account, liquid funds, short-term FD | 0% | Capital safety matters more than return |
| 1 to 3 years | Short duration debt funds, FDs, arbitrage funds | 0% to 20% | Not enough time to recover from a market fall |
| 3 to 5 years | Hybrid funds, corporate bond funds, some large cap equity | 20% to 40% | Moderate equity is workable with a debt cushion |
| 5 to 10 years | Large cap and flexi cap funds, index funds, debt for stability | 50% to 70% | Long enough for equity to ride out most cycles |
| Over 10 years | Diversified equity funds, index funds, mid and small cap in moderation | 70% to 85% | Compounding has time to do the heavy lifting |
Illustrative allocations
| Profile | Equity | Debt | Gold | Expected return |
|---|---|---|---|---|
| Conservative | 25% | 65% | 10% | 7% to 9% |
| Moderate | 55% | 35% | 10% | 9% to 12% |
| Aggressive | 80% | 15% | 5% | 11% to 14% |
These are starting points, not prescriptions. Your own allocation should reflect your goal timeline, existing assets and how you actually behave when markets fall.
Get the foundations right first
Before any of this matters, two things need to be in place. Without them, a market fall or a medical emergency can force you to sell investments at exactly the wrong moment.
- Emergency fund. Six months of expenses in a savings account or liquid fund. Twelve months if your income is irregular.
- Term insurance. Cover of roughly ten to fifteen times your annual income if anyone depends on you financially.
- Health insurance. A family floater of at least ₹10,00,000, independent of any employer policy.
- High-cost debt cleared. Credit card balances at 36% or personal loans at 18% cost more than any investment will earn.
Return expectations worth holding
| Asset class | Long-term return | Volatility | Taxation |
|---|---|---|---|
| Large cap equity funds | 11% to 13% | High | 12.5% LTCG above ₹1.25L |
| Flexi cap funds | 12% to 14% | High | Same as equity |
| Mid and small cap funds | 13% to 16% | Very high | Same as equity |
| Index funds (Nifty 50) | 11% to 13% | High | Same as equity |
| Debt funds | 6% to 8% | Low | Slab rate |
| PPF | around 7.1% | None | Fully exempt |
| EPF | around 8.25% | None | Exempt after 5 years |
| NPS | 9% to 12% | Moderate | Partly taxable on exit |
| Gold ETF or sovereign bonds | 8% to 10% | Moderate | Varies by instrument |
| Fixed deposits | 6.5% to 7.5% | None | Slab rate |
Principles that hold up over time
- Start now with whatever amount you can sustain. Time in the market beats size of contribution.
- Automate the investment so it happens before discretionary spending.
- Three or four funds are plenty. More funds add overlap, not diversification.
- Increase your contribution whenever your income rises.
- Rebalance once a year back to your target allocation. It enforces selling high and buying low.
- Judge a fund against its category and benchmark, not against last year's best performer.
- Keep going through downturns. Those are the months your SIP buys the most units.
On projections. Any figure the planner produces rests on an assumed rate of return. Real outcomes will differ, sometimes substantially. Equity can fall 30% or more in a bad year. Plan with a conservative assumption and treat anything above it as a bonus.
Check the arithmetic yourself
Once you have an allocation, the SIP Calculator shows what your monthly contribution could grow into, and the FD Calculator covers the debt portion.
Frequently asked questions
A common starting point is 20% to 30% of take-home pay, split between goals. What matters more is that the amount is sustainable month after month rather than ambitious for one quarter.
Three to five is usually enough. One large cap or index fund, one flexi cap, one debt fund, and optionally one mid cap. Beyond that you are buying overlapping portfolios.
Index funds cost less and reliably match the benchmark, which suits most investors in the large cap space. Active management has more scope to add value in mid and small cap, though many funds still lag their benchmark.
Direct plans have a lower expense ratio because there is no distributor commission, so they deliver higher returns for the same fund. Regular plans make sense if you genuinely value the advice you receive.
Once a year, or whenever an asset class drifts more than 10 percentage points from its target. Rebalancing is what mechanically enforces buying low and selling high.
No. It is general guidance based on the details you enter. It cannot see your full financial position. For significant sums, consult a SEBI-registered investment adviser.