Asset Allocation by Horizon: 3–7–15+ Year Blueprints with Annual Rebalancing

Time is your biggest risk filter. Align allocation to horizon, then rebalance without drama.

Blueprints

• Less than 3 years: 0% equity, 90 to 100% high quality debt, optional 0 to 10% gold.
• 3 to 7 years: 20 to 40% equity, 50 to 70% debt, 0 to 10% gold.
• 7 to 15 years: 60 to 80% equity, 15 to 35% debt, 5 to 10% gold.
• 15+ years: 70 to 85% equity, 10 to 25% debt, 5 to 10% gold.

Rebalancing Framework

• Once a year or when any sleeve drifts 5% absolute from target.
• Use new money to refill underweights before selling winners.

Tips From Practice

• Match debt to goal dates using target maturity funds for medium horizons.
• Use SIP to build equity and SGB if you want long duration gold.

Tools

• Goal Planner: Map goals to a blueprint.
• SIP Calculator: Stress test contributions.