How much international allocation to have?
Published 18 September 2026
I am 32 years old with ~Rs 45L of corpus on mutual funds. Currently I do SIP of Rs 1.5L/m in Indian mutual funds. I was thinking of increasing my international allocation. How much assets should I allocate internationally?
I am planning to use INDMoney to buy US ETFs, I am of the moderate risk profile.
I am planning to use INDMoney to buy US ETFs, I am of the moderate risk profile.
For a moderate-risk investor, I would look at keeping around 15–25% of the equity portfolio in international investments. There’s no need to suddenly move a big chunk of your existing ₹45L overseas. You can build this allocation slowly through your ongoing SIPs and gradually bring the portfolio to your desired level.
You can plan to start off and aim for a 20% international allocation in the next 4-5 years. From your ₹1.5L monthly SIP, you could consider putting roughly Rs.30k to 40k into international ETFs and the remaining ₹1.2L into Indian equities, depending on your current portfolio and asset allocation.
The bigger point is don’t chase international markets simply because they have performed well recently. Think of international allocation as diversification, currency diversification and access to businesses/markets that you may not get adequately through Indian funds.
You can plan to start off and aim for a 20% international allocation in the next 4-5 years. From your ₹1.5L monthly SIP, you could consider putting roughly Rs.30k to 40k into international ETFs and the remaining ₹1.2L into Indian equities, depending on your current portfolio and asset allocation.
The bigger point is don’t chase international markets simply because they have performed well recently. Think of international allocation as diversification, currency diversification and access to businesses/markets that you may not get adequately through Indian funds.
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