100 minus age
Hold roughly (100 − your age)% in equity, the rest in debt.
30 years
18 years80 years
70%
in equity
How it works
A rough glide path: the younger you are, the more time you have to recover from a market fall, so the more equity you can carry. The allocation shifts toward safety as retirement nears.
Where it breaks down
Ignores your actual risk tolerance, job stability and other income. With longer lifespans many planners now use 110 or 120 minus age instead.
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Illustrative only. These figures assume constant rates and do not predict actual returns. Markets, taxes and inflation vary. This is educational information, not financial advice — consult a SEBI-registered adviser before making investment decisions.