Wealth Goal Planner
Set a target amount and a year to reach it — get the monthly investment and asset mix to plan around.
Optional — a lumpsum you already have earmarked for this goal.
Shapes how much of the mix leans into equity vs. debt, gold, and cash.
| Years remaining | Stance | Equity | Debt | Gold | Cash |
|---|---|---|---|---|---|
| ~15 yrs | Growth | 65% | 25% | 8% | 2% |
| ~10 yrs | Growth | 65% | 25% | 8% | 2% |
| ~5 yrs | Balanced growth | 45% | 40% | 10% | 5% |
| ~2 yrs | Capital protection | 20% | 55% | 15% | 10% |
As a goal gets closer, shifting out of equity and into debt and cash reduces the chance a late market drop derails the plan — the same principle behind target-date retirement funds.
Not personalized financial advice. Expected returns per asset class are broad, editable planning assumptions, not a forecast — actual returns for equity, debt, and gold vary by market, product, and period, and can be negative in any given year. This tool ignores taxes, fees, and inflation. Speak with a licensed financial advisor before committing to a plan.
How the plan is built
Baseline mix by time horizon
| Horizon | Stance | Equity-leaning weight |
|---|---|---|
| Up to 3 years | Capital protection | ~20% equity |
| 4–7 years | Balanced growth | ~45% equity |
| 8–15 years | Growth | ~65% equity |
| 15+ years | Aggressive growth | ~80% equity |
Shown at a moderate risk profile. A conservative profile shifts each row about 15 percentage points toward debt and cash; an aggressive profile shifts it about 15 points further into equity.
Common questions
First, today's savings are projected forward at the blended expected return for the recommended asset mix. Whatever gap remains between that projection and the target is then solved as a monthly SIP using the standard future-value-of-an-annuity formula, assuming each contribution is invested at the start of the month.