How do I figure out my actual asset allocation when I have mutual funds, stocks, FDs, EPF and a house?
Published 19 September 2026
My investments are spread across several accounts and products, so I don’t really know my equity-debt allocation. Should I calculate allocation fund-by-fund or look at everything my family owns together?
Look at the allocation at the household level, rather than looking at each investment account separately.
Include your mutual funds, direct stocks, fixed deposits, EPF, PPF and cash.
Also recognise that your home, salary and business may already give you significant exposure to India even before you buy a single investment fund.
You can then split your financial assets into broad buckets such as Indian equity, debt and cash, gold, and international equity.
After that, write the goal horizon beside each bucket.
You may discover that you own many different products, but your financial future still depends heavily on one dominant risk.
“Calculate the exposure at the household level.”
“Most investors will discover that they own many products but their financial future still depends on one dominant risk.”
This is not personalized investment advice. Your goals, time horizon, risk tolerance and financial situation may be different, so assess your own situation and discuss it with your financial advisor.
Include your mutual funds, direct stocks, fixed deposits, EPF, PPF and cash.
Also recognise that your home, salary and business may already give you significant exposure to India even before you buy a single investment fund.
You can then split your financial assets into broad buckets such as Indian equity, debt and cash, gold, and international equity.
After that, write the goal horizon beside each bucket.
You may discover that you own many different products, but your financial future still depends heavily on one dominant risk.
“Calculate the exposure at the household level.”
“Most investors will discover that they own many products but their financial future still depends on one dominant risk.”
This is not personalized investment advice. Your goals, time horizon, risk tolerance and financial situation may be different, so assess your own situation and discuss it with your financial advisor.
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