← Portfolio Intelligence

beginner · 5 min

Asset allocation & diversification

The decision that matters most

Asset allocation - your split across equity, debt and gold - drives most of your long-run outcome. Decide it first, based on goals and risk appetite.

Diversify, don't duplicate: spread across categories and styles rather than owning five similar funds. A core-and-satellite approach (stable index/large-cap core + smaller mid/small/thematic satellites) is a common framework.