Investor Input

How should I allocate my assets?

Over 90 percent of investment returns are determined by how investors allocate their assets versus security selection, market timing and other factors.* Use this calculator to help determine your portfolio allocation based on your propensity for risk. * Source: Brinson, Singer, and Beebower, 'Determinants of Portfolio Performance II: An Update,' Financial Analysts Journal, May-June 1991

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It is equal to liquidity constraint it is equal to six months savings.

Ekush's Fund
Shanchaypatra
Bank FDR
Cash
  • Current age
    • Your current age. This is by far the most important aspect of asset allocation. For most people the majority of their portfolio is for their retirement. The younger you are, the less likely you need this money any time soon. This allows you to invest more aggressively in stocks that generally have the best long-term returns. As you get older, it is advisable to move more of your investments to securities with less fluctuation such as cash and bonds. This can help ensure the money is available when you need it.
  • Current assets
    • This is the total value of your investment portfolio. Our asset allocator increases your stock exposure as your portfolio increases. Generally speaking, larger portfolios are less likely to leave individuals cash poor in a market downturn. This allows people with large portfolios to invest a bit more aggressively.
  • Savings per year
    • This is the amount you will be adding to your investments each year. Like portfolio size, the more you invest the more aggressive your investments should be.
  • Income required
    • This is the percentage of income you will need from your investments. Most people do not require any income from their investments until they retire.
  • Marginal tax rate
    • The tax rate you expect to pay on your investments.
  • Your personal ability to tolerate your portfolio value fluctuating up and down. Many people overestimate their ability to tolerate risk. Unless you can handle a 20% decline in your portfolio during a stock market correction, you may wish to keep your risk tolerance at or below the mid-point.
  • Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
  • Expected returns of diffierent asset classes are based on historical data, there is no assurance these will be materialized in future. interest rate of interst rate will vary year by year. Fixed income risks include, but are not limited to, changes in interest rates, liquidity, credit quality, volatility, and duration.
  • Calculators are based on subjective can fact based calculations and are being made available to you as self-help tools for your independent use and are not intended to provide investment advice or be representative of actual results. We do not guarantee their applicability or accuracy in regards to your individual circumstances. The determinations made by these calculators should not be construed as guarantees or projections. Moreover, the reasonableness of certain information may change over time because of changes in tax law, investment trends and your personal circumstances. The information contained here is based on current law and has been obtained from sources believed to be reliable, but we do not guarantee its accuracy.
  • Investment results can vary considerably depending on the type of securities involved, general market conditions and other factors. It is important that you periodically review and update your plans. Ekush Wealth Management Limited does not provide tax or legal advice. You should contact your tax or legal advisor concerning your particular situation. All investments carry a degree of risk, and past performance is not a guarantee of future results.Asset allocation and diversification do not guarantee a profit nor protect against loss.