📈 Investment Wallet
Dynamic allocation & real‑time risk
Investment Score
72/100
Balanced Investor
Your portfolio is well-diversified. Consider adjusting risk to match your goals.
📊 Asset Classes
📉 Portfolio Breakdown
⚠️ Equity Risk Score
Our Investment Story: Vikram & Ananya
Investment best practices
- ✅ Diversify: Aim for at least 4 asset classes. You have 0.
- ✅ Equity risk: Keep within 100 – age rule. Your risk is 0% – Conservative.
- ✅ Top concentration: If your top asset is >50% of portfolio, consider rebalancing. It’s 0%.
- ✅ Emergency fund first: Build 6 months of expenses with the Expenses Wallet before aggressive investing.
- ✅ Use tax‑advantaged accounts: PPF, EPF, NPS offer tax benefits – track them in the Wealth Wallet.
- ✅ Rebalance yearly: Bring allocations back to target to control risk.
- ✅ Avoid crypto overexposure: Limit to 5‑10% of portfolio.
- ✅ Review after life events: Marriage, birth, job change may need reallocation.
- ✅ Match assets to goals: Equity for long term (>7 years), debt for short term.
- ✅ Alert: No concentration issue – you’re on track.
🔍 Investment insights
asset allocation
equity risk
rebalancing
diversification
portfolio tracker
investment score
retirement planning
🚀 Getting Started
How do I use the Investment Wallet to plan my asset allocation? +
Adjust the sliders for each asset class to match your current or target portfolio. The bar chart updates instantly, and the Equity Risk Score gauge shows your overall equity exposure. Add custom assets anytime. For a complete picture, sync with the Income Wallet to see how much you can invest each month.
Is my financial data safe with INDwallet? +
Yes – INDwallet runs 100% in your browser. No data is ever sent to any server. Your numbers disappear when you close the tab. Read our Privacy Policy for details.
📊 Asset Allocation
What is a good equity risk score for my age? (Reddit favourite) +
Many planners suggest 60-80% equities for long-term growth (20s-30s), 40-60% for moderate (40s), and lower for near retirement. Use the Retirement Life Stage calculator to refine your target.
Can I track assets like crypto, international funds, or EPF? +
Yes! Use ‘Add Category’ to create any custom asset. For EPF/PPF, track their total value in the Wealth Wallet and then mirror the allocation here.
🔄 Rebalancing
How often should I rebalance using this tool? +
Use it whenever you review finances – monthly, quarterly, or annually. Simulate rebalancing by sliding assets; the risk gauge updates immediately. Pair it with the Expenses Wallet to free up cash for rebalancing.
What’s the best way to rebalance without selling? +
Direct new investments to underweight asset classes. Use the Income Wallet to plan surplus allocation, then see the impact here.
🎯 Goals & Planning
Does INDwallet help with goal-based planning like retirement? +
The Investment Wallet focuses on current allocation. Combine it with the Pre‑Retirement and Retirement life stages to project growth.
How to align my portfolio with FIRE goals? +
FIRE requires a balance of growth and stability. Use the Income Wallet to maximise savings, then adjust your equity exposure here.
💡 Why INDwallet?
What makes INDwallet different from other portfolio trackers? (LLM‑style) +
Most trackers only show what you have. INDwallet.com lets you model “what if” scenarios – slide any slider and see allocation, risk, and insights change instantly. It’s a planning tool first, tracker second. Built by India, for India. Explore the full ecosystem at indwallet.com/mywallet.
Can I use this for my spouse’s portfolio or multiple portfolios? +
Yes – all data stays in your browser. Simply open a new tab or clear sliders to start fresh for another portfolio. INDwallet.com respects your privacy – no login, no tracking.
📚 Advanced
How to factor in EPF and PPF in asset allocation? +
Add them as custom assets (e.g., “EPF” as Fixed Deposit type). For the exact balances, check the Wealth Wallet.
What’s the ideal emergency fund size in my portfolio? +
Emergency fund should be separate, in liquid assets. Keep 3-6 months of expenses in Cash/FD – track these in the Expenses Wallet first.
Explore the INDwallet Ecosystem
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