Eyrie Calculators
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Calculators / Asset allocation
Asset Allocation Calculator
See how to split your money across stocks, bonds, gold, cash and more.
1. Tell us about you
How do you feel about market falls?
Your income
2. Your suggested split
Tap a number to change it. The rest adjust so the total stays 100%.
- Stocks (equity) 49%
- Bonds (debt) 28%
- Cash 9%
- Gold 9%
- Silver 2%
- Crypto 3%
Where each rupee goes
Stocks (equity)
Broad index funds / ETFs, or blue-chip stocks
$5.9K
%Bonds (debt)
Government and high-grade bonds, bond funds, fixed deposits
$3.4K
%Cash
Savings account, money-market or liquid fund
$1.1K
%Gold
Gold ETF or physical gold
$1.1K
%Silver
Silver ETF or fund
$240
%Crypto
Only a small, money-you-can-lose slice
$360
%Real estate
Needs $30K+ to be worth holding
$0
%
Assets with a minimum ticket (property, silver, crypto, gold) switch on automatically as your amount grows.
Keep aside first: safety fund
Outside the split above. Not for investing.
Emergency fund (6 months)
$12K
Savings / liquid fund
Recession buy-the-dip cash
$882
15% of your equity money
Emergency money pays bills if income stops. Dip cash sits out of the market so a crash becomes a chance to buy; use the Drawdown Planner to decide at what falls to deploy it.
What if a recession hits?
Illustrative bad-year moves per asset, not a forecast.
Estimated fall
-18.9%
In rupees
-$2.3K
Left: $9.7K
- Stocks (equity)-35%
- Bonds (debt)-2%
- Cash0%
- Gold+10%
- Silver-15%
- Crypto-60%
For education only, not investment advice. Calculated in your browser; nothing you enter is saved or sent anywhere. Real returns vary.
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How it works
How the split is decided
Each risk profile starts from a typical mix: careful investors lean on bonds and cash, balanced investors mix stocks with bonds and gold, bold investors lean on stocks. The mix then adapts to how much you invest. Small amounts skip assets that need a minimum ticket (direct property needs roughly a 30,000 US$ down payment, silver and crypto about 1,200 US$, gold about 300 US$, each converted to your currency), and their share moves to the assets you can hold.
Emergency fund and recession reserve
Before investing, keep 6 months of expenses (9 to 12 if income is irregular or you support dependents) in an easy-access account. Separately, set aside part of your stock money as dry powder, so a market fall becomes a chance to buy rather than a reason to sell.
Recession stress test
The stress test applies a typical bad-year move to each asset class (for example stocks down about 35%, gold up about 10%) to show roughly how much your total could fall. It is an illustration, not a forecast.
Worked examples
A beginner with 500
Balanced profile: 53% stocks (index fund), 29% bonds, 9% cash and 9% gold. Silver, crypto and property stay at 0% because the amount is too small for them to matter.
An investor with 10,000
Balanced profile: 49% stocks, 28% bonds, 9% cash, 9% gold, 2% silver and 3% crypto. Property is still off; REITs are the way in at this size.
A careful investor with 100,000
20% stocks, 45% bonds, 15% cash, 12% gold, 3% silver and 5% real estate. With monthly expenses of 2,000 and a steady salary, keep 12,000 (6 months) aside first, outside this split.
Tips for using it well
- Pick the risk profile by how you would act in a 30% fall, not by how much you hope to earn.
- Rebalance once or twice a year: sell a little of what grew most and top up what lagged.
- Never count your emergency fund as part of the investment split.
- Keep crypto to an amount you could lose entirely without changing your life.
Frequently asked questions
What is asset allocation?
Asset allocation is how you divide your money between asset classes such as stocks, bonds, gold, real estate and cash. It is the main driver of your portfolio's risk and long-term returns.
Which asset allocation is best for me?
It depends on your risk tolerance, time horizon and income stability. Careful investors hold more bonds and cash, bold investors more stocks. Use the calculator as a starting point and adjust the percentages.
How should I split my money between stocks and bonds?
A common starting point is a higher stock share when you have many years ahead (for example 60 to 70%) and a higher bond share as you approach a goal. The balanced profile here is roughly 45% stocks.
Why is real estate missing for small amounts?
Buying property needs a large down payment, so below roughly 30,000 US$ (in your currency) its share is redistributed to other assets. Small investors can still gain exposure through REITs or real-estate funds.
How much emergency fund do I need?
A common rule is 6 months of expenses for stable salaried income, 9 months for variable income and 12 months if you have dependents.
How much cash should I keep for a recession?
Beyond the emergency fund, many investors keep 10 to 20% of their stock allocation in cash or short-term bonds so they can buy after a fall. The calculator shows this amount.
Is this investment advice?
No. The calculator is for education and runs entirely in your browser. Nothing you enter is stored or sent anywhere.
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