{"id":11633,"date":"2022-05-18T10:53:28","date_gmt":"2022-05-18T05:23:28","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=11633"},"modified":"2022-07-14T16:24:31","modified_gmt":"2022-07-14T10:54:31","slug":"what-is-asset-allocation","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/what-is-asset-allocation\/","title":{"rendered":"What Is Asset Allocation?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69d194918aadc\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d194918aadc\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/what-is-asset-allocation\/#What_Are_the_Factors_That_Affect_Asset_Allocation\" title=\"What Are the Factors That Affect Asset Allocation?\">What Are the Factors That Affect Asset Allocation?<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/what-is-asset-allocation\/#Financial_Goals\" title=\"Financial Goals:\">Financial Goals:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/what-is-asset-allocation\/#Risk_Profile\" title=\"Risk Profile:\">Risk Profile:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/what-is-asset-allocation\/#Investment_Term\" title=\"Investment Term:\">Investment Term:<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/what-is-asset-allocation\/#How_Asset_Allocation_Works\" title=\"How Asset Allocation Works\">How Asset Allocation Works<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/what-is-asset-allocation\/#Asset_Allocation_Strategies\" title=\"Asset Allocation Strategies\">Asset Allocation Strategies<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/what-is-asset-allocation\/#Constant_Weight_Asset_Allocation\" title=\"Constant Weight Asset Allocation:\">Constant Weight Asset Allocation:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/what-is-asset-allocation\/#Strategic_Asset_Allocation\" title=\"Strategic Asset Allocation:\">Strategic Asset Allocation:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/what-is-asset-allocation\/#Dynamic_Asset_Allocation\" title=\"Dynamic Asset Allocation:\">Dynamic Asset Allocation:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kuvera.in\/blog\/what-is-asset-allocation\/#Age-Based_Asset_Allocation\" title=\"Age-Based Asset Allocation:\">Age-Based Asset Allocation:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/kuvera.in\/blog\/what-is-asset-allocation\/#Tactical_Asset_Allocation\" title=\"Tactical Asset Allocation:\">Tactical Asset Allocation:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/kuvera.in\/blog\/what-is-asset-allocation\/#Life_Cycle_Funds_Asset_Allocation\" title=\"Life Cycle Funds Asset Allocation:\">Life Cycle Funds Asset Allocation:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/kuvera.in\/blog\/what-is-asset-allocation\/#Insured_Asset_Allocation\" title=\"Insured Asset Allocation:\">Insured Asset Allocation:<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/kuvera.in\/blog\/what-is-asset-allocation\/#Asset_Allocation_In_A_Nutshell\" title=\"Asset Allocation In A Nutshell\">Asset Allocation In A Nutshell<\/a><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">Various asset classes like equity, debt, or gold have different levels of risk and return. Due to this, they behave differently over time. So, to balance the risk and reward in your portfolio, use any asset allocation strategy.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/Tinw-2KvMWM\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><\/iframe><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_the_Factors_That_Affect_Asset_Allocation\"><\/span>What Are the Factors That Affect Asset Allocation?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Asset classes are allocated in the portfolio based on the investor&#8217;s financial goals, risk profile, and investment terms.\u00a0<\/span><span style=\"font-weight: 400;\">What can affect your asset allocation as an investor? Let\u2019s find out.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\"><img loading=\"lazy\" class=\"size-large wp-image-13417 aligncenter\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg\" sizes=\"(max-width: 640px) 100vw, 640px\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-300x98.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-768x250.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022.jpg 1080w\" alt=\"Online Fixed Deposits on Kuvera\" width=\"640\" height=\"209\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Financial_Goals\"><\/span>Financial Goals:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Your investment goals decide the allocation of your assets. Whether your goal is short term and immediate, like an exotic holiday, or a long-term investment like retirement planning, it will directly affect the asset class you pick.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Risk_Profile\"><\/span>Risk Profile:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Your risk profile reflects your risk appetite. When you are younger, your risk appetite will be at its peak, as you have plenty of years ahead to earn and cover up the losses. Gradually, as you age, you need to protect your capital due to unforeseen responsibilities.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Investment_Term\"><\/span>Investment Term:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The investment tenure plays a crucial role in prudent asset allocation. If it&#8217;s long-term investing, you can give your funds to equity and real estate. This is because, returns will play a significant role in enhancing your portfolio over the long run. Whereas, if your goals are short term, you should go for debt or other secure avenues. In the short term, markets can be volatile. Therefore, going for fast and fixed return instruments ensures the protection of your invested capital.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Asset_Allocation_Works\"><\/span>How Asset Allocation Works<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">After you choose the asset classes, you need to divide your investments proportionately.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">For instance, if you want to buy a car next year, you should primarily invest in debt instruments like liquid funds or short-term bonds. You should avoid investing in equity or real estate as long-term investments with higher risk profiles. This will ensure the safety of the capital invested. Therefore, you can allocate your assets into fixed deposits, bonds, and fixed income instruments.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Asset_Allocation_Strategies\"><\/span>Asset Allocation Strategies<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Still confused on how to choose the right asset class? Let\u2019s discuss a few asset-allocation strategies that can help you.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Constant_Weight_Asset_Allocation\"><\/span>Constant Weight Asset Allocation:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><b> <\/b><span style=\"font-weight: 400;\">This strategy focuses on rebalancing your asset. The investor constantly rebalances the portfolio through buying and selling. For instance, if the portfolio consists of 60% equity, 25% <a href=\"https:\/\/kuvera.in\/explore\/us-stocks\/list\/all\">US stocks,<\/a> and 15% debt, if there is an increase in the equity value, the investor will sell off a portion of the equity to maintain the proportion of each asset class.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Strategic_Asset_Allocation\"><\/span>Strategic Asset Allocation:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Here, the investor sets the allocations for different asset classes. The portfolio is rebalanced accordingly. The targets depend upon the investor&#8217;s risk appetite, goals of investing, time horizon, etc.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Dynamic_Asset_Allocation\"><\/span>Dynamic Asset Allocation:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Here, the portfolio is adjusted to suit the market conditions. This involves reducing the proportion of the worst asset class and increasing the ratio of the best-performing asset in the portfolio. With this strategy, the investors ensure that they hold some of the best-performing, diversified assets to reduce risk.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Age-Based_Asset_Allocation\"><\/span>Age-Based Asset Allocation:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This strategy ensures that your portfolio is adjusted according to your age. The thumb rule is that the weight of your equity allocation should be 100 minus your age. Therefore, if your current age is 25, your portfolio&#8217;s equity allocation should be 75% (100\u201325). As you reach 40, the equity portion in your portfolio should reduce to 60% (100\u201340).<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Tactical_Asset_Allocation\"><\/span>Tactical Asset Allocation:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This strategy involves constantly adjusting the portfolio to take advantage of the economic situation and the market conditions. The cash, bonds, stocks, etc., are changed according to the macroeconomic situations.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Life_Cycle_Funds_Asset_Allocation\"><\/span>Life Cycle Funds Asset Allocation:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This strategy is ideally suited for retirement planning. In this strategy, the funds in each asset class are adjusted to reduce the risk as retirement approaches. This implies reducing the riskier asset class while increasing the more secure asset class share.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Insured_Asset_Allocation\"><\/span>Insured Asset Allocation:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This strategy is ideally suited for risk-averse investors. In this strategy, investors set a base value beyond which the portfolio value shall not drop. If the asset value falls below the set value, the investor takes action to avert the risk.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Asset_Allocation_In_A_Nutshell\"><\/span>Asset Allocation In A Nutshell<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Remember, diversification is the key to successful investing. Including multiple asset classes in the portfolio helps investors reduce the overall portfolio risk. Don\u2019t forget to periodically review and adjust your portfolio to attain your financial goals. What is your asset allocation strategy? Tell us in the comment section.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit <a href=\"https:\/\/www.kuvera.in\/\"><strong>kuvera.in<\/strong><\/a> to discover <a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\"><strong>Direct Plans<\/strong><\/a> and <strong><a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a><\/strong> and <a href=\"https:\/\/kuvera.in\/user\/login\"><strong>start investing today.<\/strong><\/a><\/p>\n<div id=\"top-row\" class=\"style-scope ytd-video-secondary-info-renderer\">\n<div id=\"subscribe-button\" class=\"style-scope ytd-video-secondary-info-renderer\">\n<div id=\"notification-preference-button\" class=\"style-scope ytd-subscribe-button-renderer\">\n<div class=\"fill style-scope yt-interaction\">\n<p>&nbsp;<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"content\" class=\"style-scope ytd-expander\"><\/div>\n<p>#MutualFundSahiHai #KuveraSabseSahiHai #PersonalFinance #InvestorEducation<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Various asset classes like equity, debt, or gold have different levels of risk and return. Due to this, they behave differently over time. So, to balance the risk and reward in your portfolio, use any asset allocation strategy.\u00a0 \u00a0 \ufeff What Are the Factors That Affect Asset Allocation? &nbsp; Asset classes are allocated in the [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/what-is-asset-allocation\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":11634,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[88,99,593],"tags":[783,3,780,782,52,781],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is Asset Allocation? - Kuvera<\/title>\n<meta name=\"description\" content=\"Asset Allocation strategy is the process to balance the risk and returns in investing different asset classes like equity, debt, gold, etc...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kuvera.in\/blog\/what-is-asset-allocation\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is Asset Allocation? 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