| 1. Young - Moderate |
≤35 |
<₹10L |
7–10+ yrs |
Moderately High |
70E/30D |
Large/Flexi Cap + Mid/Small Cap + Hybrid + Debt |
Wealth creation |
| 2. Young - Aggressive |
≤35 |
₹10L+ |
10+ yrs |
High - Very High |
85E/15D |
Flexi/Multi Cap + Mid/Small Cap + Hybrid + Debt |
Aggressive growth |
| 3. Mid-Life - Balanced Growth |
36–45 |
<₹25L |
7–10+ yrs |
Moderate - High |
65E/35D |
Large + Multi/Flexi Cap + Mid/Small Cap + Hybrid + Debt |
Wealth + retirement |
| 4. Mid-Life - High Growth |
36–45 |
₹25L+ |
10+ yrs |
High |
75E/25D |
Large + Flexi/Multi Cap + Mid/Small Cap + Multi-Asset + Debt |
Retirement + wealth |
| 5. Pre-Retirement |
46–60 |
Any |
5–10 yrs |
Moderate - High |
50E/50D |
Large + Multi/Flexi Cap + Balanced Advantage + Debt |
Retirement + stability |
| 6. Retired / Conservative |
60+ |
Any |
1–7+ yrs |
Low - Moderate |
40E/60D |
Large + Conservative Hybrid + Balanced Advantage + Short-Duration/Corporate Bond |
Income + capital preservation |
