Based on The Aspirational Investor by Ashvin B. Chhabra

Are you optimally allocated across safety, market, and aspirational?

The Wealth Allocation Framework rejects a single risk-return number. Instead, it asks you to organise your wealth around three goals: protect what's essential, capture market return, and pursue upward mobility. Built for Indian investors — your flat, FDs, EPF, mutual funds, gold, business stake — all in rupees.

  1. 1
    Step 1 · Wealth Allocation
  2. 2
    Step 2 · Profile & Goals
  3. 3
    Step 3 · Your Verdict
Map your wealth across the three buckets
List everything you own — your flat, FDs, mutual funds, gold, EPF, business stake, crypto. Assign each one an approximate value and to a bucket. We've suggested a default bucket for each, but feel free to override if your situation is different.

Safety — assets that hold value when markets fall: cash, FDs, EPF/PPF, gold, your own home.

Market — diversified investments that grow with the economy: index funds, equity MFs, second property bought to invest.

Aspirational — concentrated bets that can multiply your wealth — or go to zero: your own business, ESOPs, crypto, F&O, single-stock punts.

Cash & Savings A/c
Cash & Savings A/c
Bank balance, liquid funds, emergency cash
Money in your hand or savings account. It won't grow much, but it won't disappear in a market crash either.
₹2.00 L
Fixed Deposits & Bonds
Fixed Deposits & Bonds
Bank FD, RD, G-Secs, debt funds
Bank FDs, government bonds, debt mutual funds. Predictable returns — your safety net for essential goals.
₹8.00 L
EPF / PPF / NPS
EPF / PPF / NPS
EPF, PPF, NPS, Sukanya Samriddhi
Provident fund and pension corpus. Locked in, government-backed, meant for retirement essentials.
₹15.00 L
Primary Home (own use)
Primary Home (own use)
Self-occupied flat / house equity
The house you live in. Even if prices fall, you still need a roof — so the book treats it as part of your safety net.
₹60.00 L
Gold & Jewellery
Gold & Jewellery
Jewellery, SGB, gold ETF, coins
Physical gold, sovereign gold bonds, jewellery. Traditionally a hedge — Indian families have used it as safety for generations.
₹5.00 L
Equity Mutual Funds & Index
Equity Mutual Funds & Index
Nifty 50 index, ELSS, large-cap MF, SIP
Diversified equity — index funds, large/multi-cap MFs, SIP portfolio. This is your engine for long-term market returns.
₹25.00 L
Investment Real Estate
Investment Real Estate
Second flat, plot, REIT, rental property
A second flat, plot or commercial property bought to earn rent or capital gain. Not your home — this is a market bet.
₹40.00 L
Crypto, F&O, Single Stocks
Crypto, F&O, Single Stocks
Bitcoin, options, mid/small-cap punts
Concentrated single-stock bets, crypto, options trading, leveraged positions. Money you can afford to lose entirely.
₹3.00 L
Total wealth
₹1.58 Cr
Safety
₹90.00 L
Market
₹65.00 L
Aspirational
₹3.00 L
Your current mix
57%
41%
Safety 57% Market 41% Aspirational 2%
8 assets mapped