About the AI Portfolio Advisor
What is the AI Portfolio Advisor?
Before choosing investments you need to know your risk profile — how much volatility you can live with and how long your money can stay invested. This portfolio advisor turns a short questionnaire into a transparent risk score and a matching asset allocation.
Enter your age, investment horizon, how you would react to a 20% market fall, whether you have an emergency fund and the amount to invest. The tool calculates a score out of 100, classifies you as conservative, moderate or aggressive and suggests an equity, debt and gold split with an assumed long-run return.
How to use the AI Portfolio Advisor
- Your Age (sample: 32)
- Investment Horizon (years) (sample: 10)
- If your portfolio fell 20% in a month, you would… (sample: Hold and wait)
- Do you have 6 months of expenses saved? (sample: Yes)
- Amount to Invest (₹) (sample: 5,00,000)
- Press Build My Portfolio (results also refresh as you type). The result card shows the Risk Profile, along with Equity (index & diversified funds), Debt (PPF, FDs, debt funds), Gold (gold ETF / SGB) and Equity amount.
Formula used
Risk score = 0.4 × Horizon score + 0.4 × Tolerance score + 0.2 × Age score
- Horizon score = min(horizon, 15) ÷ 15 × 100
- Tolerance score = (answer − 1) ÷ 4 × 100
- Age score = (70 − age) ÷ 45 × 100, limited to 0–100
- Equity % = 20 + 0.6 × score (10 points lower without an emergency fund)
Expected return assumes 12% for equity, 7% for debt and 8% for gold. The scoring is rule-based and fully shown here, not a black box.
Worked example
These are the sample values already filled in the calculator above, and the result it returns for them:
| Input | Sample value |
|---|---|
| Your Age | 32 |
| Investment Horizon (years) | 10 |
| If your portfolio fell 20% in a month, you would… | Hold and wait |
| Do you have 6 months of expenses saved? | Yes |
| Amount to Invest (₹) | 5,00,000 |
| Result | Value |
|---|---|
| Risk Profile | Moderate (score 64/100) |
| Equity (index & diversified funds) | 58% |
| Debt (PPF, FDs, debt funds) | 32% |
| Gold (gold ETF / SGB) | 10% |
| Equity amount | ₹2,90,000 |
| Expected long-run return (assumed) | 10% |
| First step | Invest in line with the split and rebalance once a year |
Tips for using the AI Portfolio Advisor
- Be honest about how you reacted in past market falls — that predicts behaviour better than intentions.
- Build an emergency fund before taking equity risk.
- Revisit your profile after major life events such as marriage, a child or a job change.