Understand the plan.
Before choosing the product.
Start with your goals. Compare named portfolios. See the trade-offs before the numbers. Your inputs stay on this device. No account connection or trades.
Start with your situation
Money needed soon and emergency reserves are separate from the long-term investment sleeve. A short horizon or weak reserve blocks an equity-model match.
Capacity and willingness
Unvalidated educational questionnaire. Not a regulated suitability assessment. Your persona does not determine your risk score.
Balanced / dynamic illustration
Baseline comparison only. Complete Risk & goals for an educational match; none has been assessed yet.
Manual scenario only. No live mood reading or prediction. It cannot change your risk profile. Equity is exchanged with debt within the selected band.
A reason to rebalance
Illustrative rule: review quarterly, and flag a drift of at least 5 percentage points. Consider new contributions before selling.
Check taxes, exit loads, costs and suitability first. A price drop alone is not a reason to sell. The demo does not generate actual orders or switches.
What this mix leaves out
Instrument selection, credit/duration risk, tax regime, international exposure and personal liabilities need separate work. Debt and gold can lose value too.
No stock or fund ratings have been invented. Instrument pages and verified market data are not in this local preview.
Growth, with assumptions
Monthly compounding from the effective annual rate. Contributions at each month-end. Constant rates, no tax/fees, no missed contributions. Not a backtest.₹0
Steady curves hide market risk. Actual returns can be negative, uneven and below these assumptions. This projection is independent of the chosen model mix.
Sentiment is not valuation
A mood index describes investor behaviour. A valuation measure compares prices with fundamentals. Neither guarantees the next market move.
| Reference | What to take from it |
|---|---|
| Tickertape MMI | Sentiment context, not a standalone buy/sell rule. No live value reproduced. |
| DSP Netra | Valuation and market-cycle perspective. AMC views are not this demo's forecasts. |
| NSE Indices history | Potential historical price, TRI and valuation source. No series connected yet. |
Source pages reviewed 21 October 2026. Their underlying data dates differ. External sites have their own terms and privacy practices.
Three useful words
Allocation: how your money is split across assets.
Drawdown: a fall from a previous peak. It can last longer than expected.
Real return: growth after allowing for inflation, before considering your taxes and costs here.
Save and reset
Save demo inputs locally on this device, or clear them. Nothing is uploaded. Avoid entering real account details on a shared device.
Install: when served over HTTPS, use your browser's Add to Home Screen or Install option if available. Offline support starts after the first completed load. Device install has not been verified in this preview.
A portfolio you can look inside.
Named funds from the existing research universe. Weights are educational design choices, not a suitability recommendation. Every mutual fund below means Direct Plan - Growth, not an ETF or regular plan.
Read down for holdings, expandable research details, assumptions and projections. Open calculators with sample defaults.
| Holding | Weight | Role |
|---|
Why these holdings?
Explore a possible path.
The same return assumptions apply across samples. Higher equity or a smaller company does not guarantee a higher return. Edit assumptions below; they are not forecasts or researched expected returns.
Assumes fixed target weights, monthly compounding of each sleeve's effective annual rate and pro-rata month-end contributions, with target-weight rebalancing monthly. No taxes, transaction costs or rebalancing friction. Enter rates after fund expenses if you want an after-expense illustration. Real outcomes are uneven.
Historical allocation comparison
Not loaded yet. No verified, date-aligned long-term daily equity, debt, gold and hybrid series has been connected. The chart above uses editable forward assumptions, not index history.
Free source routes checked: NSE Indices daily history / TRI and AMFI historical NAV (maximum90 days per download). Historical source, date range and rebalancing results remain pending; no approximated numbers are substituted.
Planned method: align common trading dates, disclose TRI vs price or after-expense fund-NAV proxy, rebalance monthly at month end, no contributions/tax/trading cost, show common date window and missing-date policy. An index mix will not be presented as these active funds' history or used to rank funds.
What could a bad episode feel like?
Hypothetical simultaneous shocks, not measured volatility, a forecast or a worst-case limit. Actual losses can be larger.
Sharpe, Sortino, beta, historical drawdown and look-through overlap are not calculated: synchronized, validated return/holdings data are not connected. Fund count and holding concentration are not substitutes for those measures.
Find the role. Then the fund.
Category candidates drawn from MF Tracker v1's Buy/Hold universe, reviewed 21 October 2026. This is a selected shortlist, not every mutual fund category or a fresh Buy call. Past returns and star ratings do not decide inclusion.
Small tools. Clear assumptions.
Independently implemented calculations, informed by Investor.gov and Ramsey's input flows. No copied code, US tax rules or historical-return promises. Defaults are editable examples, not the best rate for everyone.
Also see Growth lab for a lump sum plus monthly saving and inflation-adjusted result. No calculator evaluates tax eligibility or gives personal advice.
Clarity before commitment.
Why this can help
Fund lists alone don't explain a plan. Start with time horizon and reserves, inspect what each holding does, and separate a business thesis from an assumption-based chart.
Compare structures without uploading a real portfolio, connecting a broker or making a trade.
Evidence over confidence
The research process checks business economics, valuations, balance sheets, governance and liquidity. Scheme documents explain the mandate; dated source pages support the numbers.
This demo demonstrates the process. It does not establish adviser registration, professional credentials, a performance record or readiness to manage money. Those must be verified before any service goes live.
What a real service would need
Verified team credentials and regulatory scope, consent and data security, validated suitability checks, independently checked holdings data, costs and tax treatment, and a clear complaints process. None is implied by this prototype.
What we store
No app backend or analytics is connected. The original Save control stores only the risk and Growth lab inputs locally. New portfolio and calculator inputs are session-only. Hosting providers still handle ordinary web requests; external links have their own privacy practices.
Research notes
Scheme documents span November 2025 to September 2026. Portfolio valuation figures are the values displayed on ET pages retrieved 21 October 2026; their valuation as-of date is not exposed. A NAV date is not a valuation date. We do not call those figures live. Company figures are aggregator snapshots with source links, not an audited research release.
Calculator references: Investor.gov, Ramsey investment, Ramsey retirement. We do not adopt US-specific defaults or an 8% retirement withdrawal assumption.