Investing
Asset allocation
How you split your money across equity, debt, gold and cash based on your goals and risk.
Asset allocation is deciding what share of your money goes into stocks, bonds, gold, and cash.
It matters more than picking the perfect fund. The right mix keeps you invested through crashes without panic.
A common starting rule is more equity when you are young and years from a goal, more debt as the goal gets near.
For example
A 25-year-old might run 80% equity and 20% debt, while someone retiring in two years flips much closer to the opposite.