Preserve

Asset Allocation

Equity · Debt · Gold · Cash

How you divide your money between equity, debt, gold and cash shapes most of your portfolio's long-term behaviour. We match your mix to your risk profile and rebalance it so it stays on target.

4Core asset classes in every plan

5Model mixes, one for each risk profile

±5%Typical drift band before rebalancing

YearlyRebalancing review

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How We Build Your Mix

Risk Profile

Start from your profile and goals

Model Mix

Pick the matching allocation

Select Funds

Fill each slot with suitable schemes

Rebalance

Bring the mix back on target

Compare

Model Mix for Each Risk Profile

Risk profile	Equity	Debt	Gold	Cash / Liquid
Conservative	10–20%	65–75%	5–10%	5–10%
Moderately Conservative	25–35%	50–60%	5–10%	5%
Balanced	45–55%	35–45%	5–10%	0–5%
Moderately Aggressive	60–70%	20–30%	5–10%	0–5%
Aggressive	75–85%	10–15%	0–10%	0–5%

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What Each Asset Does

Equity

The growth engine over long periods, with the most short-term volatility.

Debt

Stability and regular income; it cushions the portfolio when equity falls.

Gold

A diversifier that has often held value during crises and currency weakness.

Cash & Liquid

Ready money for emergencies and near-term needs.

Overview

Why Rebalance?

Markets pull your mix away from its target. After a strong rally, a balanced portfolio may drift to 65% equity and carry more risk than you signed up for. Rebalancing trims what has grown and tops up what has lagged, so you sell high, buy low and stay within your comfort zone. We always consider taxes and exit loads before rebalancing.

FAQs

Questions, answered

Is the model mix fixed?

No. It is a starting point, adjusted for your goals, existing holdings, tax position and liquidity needs.

How often should I rebalance?

Usually once a year, or when any asset class drifts more than about 5 percentage points from its target.

Do hybrid funds help?

Balanced advantage and multi-asset funds rebalance inside the fund, which can be convenient and tax-efficient. We use them where they fit.

Where does real estate fit?

Property is usually a large, illiquid holding. We consider it in your overall wealth picture but keep the investable portfolio liquid.

Does asset allocation guarantee returns?

No. It manages risk and improves consistency, but all market-linked investments can lose value.

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Talk to your relationship manager or start online in minutes.

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Allocations shown are indicative and for illustration only; your recommended mix may differ. Investments are subject to market risks.

Mutual Funds

SIP Investment

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Information

Risk Factors – Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.

AMFI Registered Mutual Fund Distributor – ARN: 159693 | Validity from 05/02/2025 to 04/02/2028

AMFI Registered SIF Distributor – ARN: 159693 | Validity from 04/11/2025 to 03/11/2028

APMI Registered PMS Distributor – APRN00623 | Validity from 18/02/2025 to 17/02/2028

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