What is a good asset allocation for a beginner?

There is no single answer. Many beginners start with a balanced mix of roughly 45 to 60% equity, 25 to 35% debt, 5 to 10% gold and some cash, then adjust for their time horizon and how they feel about market falls.

How often should I rebalance my portfolio?

Once or twice a year, or when any asset's weight drifts more than about 5 percentage points from its target.

Should my home count in my asset allocation?

Count your own home separately from investable assets. Rented or investment property counts as real estate, so include its current value when you check your mix.

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Asset allocation: how to split your money by risk profile

25 Oct 2026, 6:20 pm UTC

Why does asset allocation matter more than picking stocks?

Asset allocation is how you divide money between asset classes such as equity, debt and gold. Studies of long-term portfolio returns keep finding that this split explains more of the outcome than which individual stock or fund you chose.

The reason is simple: different assets behave differently in the same conditions. When one falls, another may hold up or rise, which makes the whole portfolio steadier.

Asset allocation: how to split your money by risk profile

Why does asset allocation matter more than picking stocks?

What are the main asset classes?

Asset allocation examples for low, balanced and high risk

How do I choose my risk profile?

How often should I rebalance my portfolio?

Try an asset allocation calculator

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