What Is Diversification?
Diversification means spreading your investments across different asset classes so that poor performance in one doesn't destroy your entire portfolio. In India, the main asset classes are: Fixed Deposits, Recurring Deposits, Equity (stocks/MFs), Gold, and Real Estate.
A Simple Allocation Framework
A common rule of thumb: 100 minus your age = equity percentage. If you're 30, put 70% in equity and 30% in debt (FDs/RDs). Adjust based on your risk tolerance.
- Conservative: 60% FDs/RDs, 30% MFs, 10% stocks
- Moderate: 40% FDs/RDs, 40% MFs, 20% stocks
- Aggressive: 20% FDs/RDs, 40% MFs, 40% stocks
How RupeeTracker Helps
RupeeTracker's portfolio health score measures your diversification. If you're too concentrated in one asset type, the score drops — giving you a clear signal to rebalance. Track all asset types in one dashboard to see your actual allocation.
Check your diversification
Get a portfolio health score across all your investments.
Get started free