Portfolio Allocation

Find Your Investment Profile

Investment Horizon

How long can you stay invested?

Less than 3 years – Short Term 3 to 5 years – Medium Term More than 5 years – Long Term More than 10 years – Very Long Term

Risk Appetite

How much risk can you handle?

Conservative – Capital preservation priority Moderate – Balanced growth & safety Aggressive – High returns priority

Complete Investment Matrix Guide

How to read this matrix: ✅ Highly Suitable | ⚠️ Moderately Suitable | ❌ Not Recommended

Fund Category	Risk Level	< 3 Years	3-5 Years	> 5 Years	> 10 Years	Historical Returns*
Liquid Funds	Very Low	✅ Excellent	⚠️ Consider	❌ Avoid	❌ Avoid	4-6% (1Y)
Ultra Short Duration	Low	✅ Excellent	⚠️ Consider	❌ Avoid	❌ Avoid	5-7% (1Y)
Short Duration Debt	Low	✅ Good	✅ Good	⚠️ Consider	❌ Avoid	6-8% (3Y)
Corporate Bond Funds	Low-Medium	⚠️ Consider	✅ Good	✅ Good	⚠️ Consider	7-9% (5Y)[6]
Conservative Hybrid	Medium	⚠️ Consider	✅ Good	✅ Very Good	✅ Good	8-10% (5Y)[6]
Balanced Hybrid	Medium-High	❌ Risky	⚠️ Consider	✅ Very Good	✅ Excellent	10-12% (5Y)[6]
Large Cap Equity	High	❌ Risky	⚠️ Consider	✅ Very Good	✅ Excellent	11-14% (10Y)[7]
Mid Cap Equity	Very High	❌ Avoid	❌ Risky	✅ Good	✅ Excellent	13-16% (10Y)[7]
Small Cap Equity	Very High	❌ Avoid	❌ Avoid	⚠️ Consider	✅ Excellent	15-18% (10Y+)[7]
ELSS Tax Saver	High	❌ Lock-in	✅ Good	✅ Very Good	✅ Excellent	12-15% (5Y+)[7]
Sectoral/Thematic	Very High	❌ Avoid	❌ Avoid	⚠️ Expert Only	⚠️ Expert Only	Highly Variable[8]

Important Disclaimers:
* Historical returns are indicative and based on category averages[7][10]. Past performance does not guarantee future results.
** Tax implications and exit loads should be considered before investing.
*** Always consult with a financial advisor before making investment decisions.

Key Investment Principles

Time Horizon Matters

Longer investment horizons allow you to ride out market volatility and benefit from compound growth[1][5]. Equity investments need at least 5+ years to demonstrate their potential.

Risk vs Returns

Higher potential returns come with higher risk[6][9]. Conservative investors should prioritize capital preservation, while aggressive investors can pursue growth opportunities.

Diversification

Spread investments across different fund categories based on your risk profile[2][8]. Don’t put all money in a single asset class or fund category.

Pro Tips:
• Start with SIP investments to benefit from rupee cost averaging
• Review and rebalance your portfolio annually
• Consider tax-saving ELSS funds for Section 80C benefits
• Emergency fund should be in liquid funds before starting equity investments