Asset allocation for Married & have kid ►►► Age between 40-60 years

At this stage in your life you need to build wealth and property for your children. You may not be willing to take risk because at present you have major responsibilities. Your asset should be allocated as follows :

► You need to plan for your children. And may be you should begin to focus on money for your children’s marriage. Keep 30% of your money in property.

► Invest around 30% in equity market. If you think this is too much, then you can rethink and make this portion to be little less, say 25%.

► You should have around 15% of your money in savings accounts. If you have invested 25% of your money in equity market, you can think of putting 20% of your money in your savings accounts.

► Keep 15% of your savings in debentures and bonds to earn fixed income.

► And keep 10% in Gold too.

Asset allocation for Married & have kid ►►► Age between 25-40 years

At this stage in your life you need to plan for your children’s future. You may not be willing to take risk because at present you have major responsibilities. Your asset should be allocated as follows :

►  You need to plan for the days ahead, not only for yourselves, but also for your children. And may be you should begin to focus on money for children’s education. Keep 35% of your money in property.

►  Invest around 35% in equity market. If you think this is too much, then you can rethink and make this portion to be little less, say 30%.

►  You need to have more than 10% of your money in savings accounts. If you have invested 30% of your money in equity market, you can think of putting 15% of your money in your savings accounts.

►  Keep 10% of your savings in debentures and bonds to earn fixed income.

►  And keep 10% in Gold too.