Model portfolios
Three starting points, mapped to how much risk you’re comfortable with. Not sure which is you? Take the 2-minute quiz or let us build a custom plan.
Conservative
Capital preservation first. For short horizons, emergency money, or first-time investors who want a gentle start.
- Equity (20%): Large-cap or Nifty 50 index funds — the steadiest slice of equity.
- Debt (70%): Liquid, ultra-short and short-duration funds for stability and easy access.
- Gold (10%): A gold fund / ETF as an inflation and crisis hedge.
Best if: You value safety over growth, or you’ll need the money within ~3 years.
Get this portfolio set up →Balanced
A growth-and-stability mix for medium-term goals — a home down-payment, a child’s near-term needs, or a core long-term portfolio.
- Equity (55%): Flexi-cap and large-cap funds, with a small mid-cap tilt.
- Debt (35%): Corporate bond and short-duration funds.
- Gold (10%): Gold fund / ETF for diversification.
Best if: You want real growth but can’t stomach a roller-coaster, with a 3–7 year horizon.
Get this portfolio set up →Aggressive
Maximum long-term growth for those who can ride out volatility — ideal for young investors and long retirement horizons.
- Equity (80%): Flexi-cap core plus mid-cap and small-cap satellites; an index fund anchor.
- Debt (12%): A short-duration fund to dampen the worst drawdowns.
- Gold (8%): A small gold allocation for diversification.
Best if: You’re investing for 7+ years and won’t panic-sell in a market crash.
Get this portfolio set up →These model portfolios are illustrative asset-allocation frameworks for education, not recommendations of any specific scheme, and not a guarantee of returns. Your actual plan should reflect your goals, risk profile and tax situation. Mutual fund investments are subject to market risks. ArthmArg is an AMFI-registered Mutual Fund Distributor.