Asset Allocation

“The difference between success and failure is not which stock you buy or which piece of real estate you buy, it’s asset allocation.”-By Tony Robin

Asset allocation is like having a plant, we need all kinds of plants. Some will give us the fruits in 6 months, some will give fruits in the next 1-2 years and some which will provide us with a lot of fruits, but it will take 8 to 10 years.

We believe the asset allocation happens automatically based on financial goals. It is like having a correct mix of investments to achieve your goals within your parameter of risk.

We don’t believe in the idea of switching to equity when markets are rising, it’s an irrational decision, sticking to our original asset allocation will be beneficial in the long term.

We focus us on below-mentioned points for the efficient asset allocation 

  • Tax Efficiency
  • Required Liquidity
  • Goal Specific investment
  • 360° view of the Assets
  • Efficiently Diversified


Asset allocation is the process of selecting and combining various investments to create a portfolio. When diversifying your portfolio, asset allocation is part of a process to mitigate risk. In most cases, asset allocation is necessary if you want to achieve financial success in the long term, especially with regards to investing in stocks and bonds. Asset allocation is all about putting in motion an investment strategy that will set you up for success.


Asset allocation is an investment strategy that aims to balance risk and reward by apportioning a portfolio’s assets according to an individual’s goals, risk tolerance and investment horizon. The three main asset classes are equities (stocks), fixed-income instruments (bonds), and cash or money market securities.

Manging the assets on our own is easy but maintaining in the correct allocation is always difficult because we all have an emotional connection with the assets we always try to thrive for the best returns and in doing that we end up taking more actions or no actions on our portfolio. Asset allocation is a scientific method to managing the assets effectively with the correct mix. 

Get on track for wealth creation with a holistic, long-term financial strategy. A professional will first understand your current situation, goals and emotional biases toward wealth, and then chart out a comprehensive customised plan. Or you might need a professional’s help during a major life event, like getting married, having a baby or buying a new house. Financial planners can successfully help navigate the event with the proper long-term approach. You may find yourself in need of a financial planner when you’re reaching retirement age. As you move closer to your retirement years, your approach toward money management shifts from wealth creation to capital preservation and income generation. 


There are two methods for rebalancing your portfolio. The first is the yearly or semi-annual monitoring method and the second is the set deviation method. The first method is best because it reduces the risk of rebalancing too often and allows you to have more control over your portfolio. Choose the second method only when the deviation is more than 5%-10%.


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