Asset allocation for Married & Have Kid ►►► Age less than 25 years

At this stage, your main concern is to have a property as well as to plan for your children future. Here, you may afford to take risk. Your asset should be allocated as follows :

►  You need to plan for the days ahead – not only for yourselves, but also for your children. But a property of your own is your top priority at this stage. Keep 40% of your money in property. If you think this is too much,  make this percentage to 35%.

►  Keep a decent amount of money around 40% in equities. If you think this is too much, make this percentage to 35%.

►  You need to have around 10% of your money in savings accounts. Here, if you have put 35% each in property and equity, then put 20% in savings accounts.

►  Invest 5% of your savings in debentures and bonds to generate fixed income.

►  And keep 5% in Gold also.

Asset allocation for Married & No Kid ►►► Age between 40-60 years

At this stage in your life you just want to plan for your retirement so that later you and your spouse may have a healthy post retirement life. A relaxed and tension-free life is always advisable at this age. Your asset should be allocated as follows :

►  Keep a decent amount of money around 35% in equity. Or if you want less risk, you can think of keeping 30% to equity.

►  Hopefully, you have already made your investment in a property. Keep not more than 25% of your money in property. If you have put 30% in equity make this portion to 30% too.

►  You need to have around 15% of yor money in savings accounts. If you still need some more liquidity, set aside more percentage.

►  Keep 15% in debentures and bonds to generate fixed income. If you have put 20% in savings accounts, then make this portion to be 10%.  

►  And keep nearly 10% in Gold.