PROGRESS & PERSONALISED PORTFOLIO
Your plan & progress
YOUR PLAN · BALANCED PRESET
A middle path: hybrid funds and gold steady an equity core.
Suits goals 5–8 years away, with tolerance for a 15–20% dip along the way.
- Goal:
- ₹10,00,000
- Starting with:
- ₹25,000
- Monthly:
- ₹7,000
- Horizon:
- 8 yrs
- Blended assumption:
- 7.9%/yr
Projected in 8 yrs
₹9,88,860
at a blended 7.9%
Your contributions
₹6,97,000
₹25,000 + ₹7,000 × 96
Hypothetical growth
₹2,91,860
42% on top of your money
Bad final year
₹7,87,595
−19% if every sleeve had a bad year
Where each rupee goes
Tap a sleeve for the reasoning.
Growth timeline
- Your contributions
- Projected mix
- Goal
Milestones
25% · ₹2.5L
Mar 2029
2 yrs 5 mo
50% · ₹5L
Jun 2031
4 yrs 8 mo
75% · ₹7.5L
Apr 2033
6 yrs 6 mo
100% · ₹10L
Dec 2034
8 yrs 2 mo
Your asset-by-asset action plan
What each part of ₹7,000/month and your ₹25,000 starting amount would do, in rupees. Product types only; Zeno never names specific schemes.
1Large-cap index fund / ETF
35% · ₹2,450/moRun a ₹2,450/month SIP into a Nifty 50 or Sensex index fund, or buy the equivalent ETF monthly. Spread the ₹8,750 over 6–12 months.
You put in
₹2.4L
At ~10.5%
₹3.9L
Bad year
−₹1.4L
2Hybrid fund
25% · ₹1,750/moSet up a ₹1,750/month SIP into a balanced-advantage or aggressive-hybrid fund (direct plan). Move the ₹6,250 in over 6 months via an STP.
You put in
₹1.7L
At ~8.5%
₹2.5L
Bad year
−₹45.3k
3Bank FD / RD
20% · ₹1,400/moStart a ₹1,400/month recurring deposit. Each year, roll the matured amount into a 1–3 year FD so one matures every year. Split the ₹5,000 you have across 2–3 FDs of different tenures. Keep each bank under the ₹5 lakh DICGC limit.
You put in
₹1.4L
At ~5%
₹1.7L
Bad year
₹0
4Gold ETF / fund
15% · ₹1,050/moPut ₹1,050/month into a gold ETF or gold fund of fund, not jewellery (making charges plus 3% GST aren't recoverable). Add the ₹3,750 gradually. Rebalance back to target once a year.
You put in
₹1L
At ~6.5%
₹1.4L
Bad year
−₹20.7k
5Savings / liquid fund
5% · ₹350/moKeep ₹350/month in a savings or sweep-in account (plus ₹1,250 now). Treat it as your buffer and rebalancing cash.
You put in
₹34.9k
At ~3.5%
₹40.4k
Bad year
₹0
Sleeve by sleeve, after 8 years
| Sleeve | Share | Monthly | From savings | Assumed | You put in | Projected | Bad-year fall |
|---|---|---|---|---|---|---|---|
| Large-cap index fund / ETF | 35% | ₹2,450 | ₹8,750 | 10.5% | ₹2,43,950 | ₹3,86,412 | −35% |
| Hybrid fund | 25% | ₹1,750 | ₹6,250 | 8.5% | ₹1,74,250 | ₹2,51,745 | −18% |
| Bank FD / RD | 20% | ₹1,400 | ₹5,000 | 5% | ₹1,39,400 | ₹1,72,290 | none |
| Gold ETF / fund | 15% | ₹1,050 | ₹3,750 | 6.5% | ₹1,04,550 | ₹1,38,050 | −15% |
| Savings / liquid fund | 5% | ₹350 | ₹1,250 | 3.5% | ₹34,850 | ₹40,364 | none |
| Total | 100% | ₹7,000 | ₹25,000 | 7.9% | ₹6,97,000 | ₹9,88,860 | −19% |
Assumed rates are illustrative averages after typical tax: deposits and debt-fund interest are taxed at your slab; equity long-term gains above ₹1.25 lakh a year at 12.5%. Real returns arrive unevenly and can be negative for years.
Stress test
Bad years usually hurt most near the end, when the balance is largest. If each sleeve had a typical bad year in year 8:
Before
₹9.9L
After
₹7.9L
To recover
+23.5%
That's ₹2,01,266 of paper loss. Selling turns it into a real loss; plans with a near deadline usually move money from equity to debt/FDs over the final 2–3 years. Try the 3D crash simulator →
Before you act on this
- Your emergency cushion covers 1.7 months of essentials. Most guides suggest 3–6 months before putting money into market-linked sleeves.
This is an educational illustration of how a mix like yours (Balanced preset) could be structured, not personalised investment advice. Zeno is not a SEBI-registered investment adviser. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. For advice on specific products, consult a SEBI-registered investment adviser.
PROGRESS TRACKER
Your real contributions
Log what you actually put aside each month. Gains and losses here use fictional monthly returns, including bad months.
Current savings (simulated)
₹55,924
Total contributions
₹55,000
₹25,000 starting + ₹30,000 logged
Simulated gains / losses
+₹924
+1.7%
Goal: ₹10,00,000
5.6%
Contributions vs. simulated value
- Contributions
- Simulated value
Log a contribution
- Sept 2026₹7,000
- Aug 2026₹7,000
- Jul 2026₹6,000
- Jun 2026₹5,000
- May 2026₹5,000
Milestone badges
First ₹5,000
Unlocked
Emergency cushion: 3 months
Locked
3 contributions logged
Unlocked
25% Goal Reached
Locked
50% Goal Reached
Locked
Goal Reached
Locked
Quiz finished
Locked
10 expenses tracked
Locked
Myth Buster: 8/8
Locked
Change your goal in the Plan Builder. Simulated values are illustrative only.