The Balance Meter

Is your money too safe, or too exposed?

Lean too far into stocks and a market fall stings. Lean too far from them and you may be playing safer than your plans call for. There is a balance between the two, and the rule for finding it has been trusted for over seventy years. Answer three quick things and see where yours sits.

Educational tool only. Not investment advice. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.

1 of 3
Step 1 of 3

What is your instinct with money?

Every answer simply shapes your result.

Keep it safe and steady
Calm matters more to me than chasing more.
A healthy balance
Some steadiness, some ambition.
Lean into the market
I can ride the swings for the long run.
The thinking here favours a steady, sensible approach and a fair ceiling on risk. Source: Benjamin Graham, The Intelligent Investor.
2 of 3
Step 2 of 3

Markets fall hard for a year. How much drop can you sit through?

Not what you should say. What you would do at 2am.

Very little
A big fall and I would want to sell.
A moderate fall
I can hold through a rough patch if I have a plan.
A steep fall
Falls are normal. I stay invested.
A stability cushion is what gives you the nerve to stay invested when markets fall. Source: Benjamin Graham, The Intelligent Investor.
3 of 3
Step 3 of 3

Roughly, where does your money sit today?

Approximate figures are fine. We read your growth share against Graham's range.

Stocks and equity funds
Your growth assets
₹
FD, debt and bonds
Your stability assets
₹
Gold
Physical and digital
₹
Cash and liquid
Savings and liquid funds
₹
Total
₹0
Where your money sits
0% in growth assets
Reading
The zone that keeps you balanced
0%25%50%75%100%
floor50/50 baselineceiling
Where this line comes from. The sweet spot is the work of Benjamin Graham, the investor who taught Warren Buffett. His rule is simple. Keep between 25 and 75 percent of your money in stocks, and you stay on the safe side of your own instincts.
Graham's rule: never less than 25 percent or more than 75 percent in stocks, with 50/50 as the baseline, rebalanced as it drifts. Source: Benjamin Graham, The Intelligent Investor (revised edition).
Next, your plan
Now set your target split and timeline, and we will calculate the exact SIP and lumpsum to move your money there.
Your plan, part 1

Over how long do you want to reach your target split?

A longer runway means a smaller monthly amount.

1
year
3
years
5
years
10
years
Your plan, part 2

Set your target split.

Graham's baseline is 50/50, bounded between 25 and 75 percent in growth. The slider holds you inside his range.

Growth (equity)50%
Stability (debt and cash)50%
At the 50/50 baseline Graham recommended for the defensive investor.
Range and baseline from Benjamin Graham, The Intelligent Investor. Within his 25 to 75 percent band, more in growth when markets are cheap, less when he judged them dangerously high.
Your rebalancing plan

The plan to reach your target split.

Monthly SIP
₹0
per month
One time lumpsum
₹0
invest today
Reached in
0
years
Amount to rebalance
₹0
toward target
A simple plan. This is the amount to move toward your target split, and a clean way to spread it as a monthly amount or a one time lumpsum. It assumes no return and is not a forecast. Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing.
SIP and lumpsum mix
50% as SIP50% as lumpsum
Move the slider to shift between a monthly SIP and a one time lumpsum.
Built on this idea
a Balanced Advantage Fund
Graham adjusted his stocks and bonds split by hand as markets moved. A Balanced Advantage Fund is built to do that rebalancing between equity and debt for you. Source for the principle: Benjamin Graham, The Intelligent Investor.

The report is a PDF you can keep or share. It is for education and is not investment advice.

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✓

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