Home Down-Payment Plan (5 Years): 30–40% Equity with Dated Debt

Five years is tight. You need growth with a hard date. Blend equity with date‑locked debt.

Setup

• Start with 30 to 40% equity and 60 to 70% high quality debt that matures before the purchase window.
• Shift fully to debt 18 to 24 months before the target date regardless of market mood.

Tips

• Park the equity sleeve in 2 to 3 diversified funds. Use target maturity funds or short FDs for the debt leg.
• Keep a separate account for this goal to avoid accidental spends.

Tools

• Goal Planner: Map monthly savings and glide.
• Home Buying Journey: Budget stamp duty and other transaction costs.