Our app offers a personalized asset allocation feature designed to optimize your investment portfolio based on your age and financial goals. This guide explains the methodology behind our suggestions, helping you understand how and why certain allocations are recommended.

What is Asset Allocation?

Asset allocation involves distributing your investments across various asset classes, such as equity, debt, gold, and cash, to achieve a balance between risk and return. The composition of your portfolio can significantly influence your financial results, impacting both the risk and potential returns.

Our Methodology

The asset allocation recommendations provided by our app are based on the well-regarded "100 minus age" rule, which is a traditional guideline in investment strategy. Here’s how it works:

  • Equity Allocation: The core of our suggestion is that the percentage of your portfolio allocated to equities should be approximately "100 minus your age." This means if you are 30 years old, about 70% (100-30) of your investments should ideally be in equities. The rationale behind this rule is that younger investors can typically afford to take on more risk due to their longer investment horizons, allowing them more time to recover from market downturns.
  • Adjustment Window: To provide flexibility and accommodate different risk tolerances and personal circumstances, our app suggests an adjustment window of +/- 5%. For example, a 30-year-old could have an equity allocation ranging from 65% to 75%.
  • Allocation to Debt, Gold, and Cash: The remainder of your portfolio—after accounting for your equity allocation—is divided among debt, gold, and cash. These asset classes generally offer more stability and less risk compared to equities. The specific distribution among these assets can depend on current market conditions, your risk tolerance, and your financial goals.

More about our approach

  • Simplicity: The "100 minus age" rule is easy to understand and implement, making it accessible for both novice and experienced investors.
  • Flexibility: The +/- 5% adjustment window allows for personalization based on individual risk preferences and financial situations.
  • Balance: By investing in a mix of asset classes, you can achieve a balanced portfolio that mitigates risk while providing potential for growth.


Our asset allocation feature is designed to make investing simpler and more effective. By understanding the methodology behind our suggestions, you can make informed decisions that align with your age, risk tolerance, and financial goals. Always consider consulting with a financial advisor to tailor the advice to your personal circumstances.

For any further questions or assistance, please refer to our support section or contact our customer service team. Happy investing!