Start from illustrative mixes of mutual fund categories — conservative to aggressive, core & satellite, three-bucket retirement and more. Change the categories and the weights, then see how that mix actually behaved over the years. Built for mutual fund distributors and the clients they sit down with.
Examples to learn from, not recommendations. We never pick funds; each slot is a category average unless you choose a fund yourself.
Illustrative examples — not recommendations. Past performance does not indicate future returns.
Everything happens in your own workspace. Nothing is fixed — every example can be changed or deleted.
Begin from one of nine examples — five along the risk spectrum and four classic structures — or open an empty sample and build your own.
Add, remove or rename slots, swap categories and set the weights. Choose how often the mix rebalances: yearly, quarterly or never.
Growth over time, the worst fall and how long recovery took, calendar-year returns, rolling 3-year returns — and, when you enter a monthly amount, the SIP outcome with XIRR.
Put a fund you choose into any slot and that slot uses the fund’s own history instead of the category average. Compare it with the plain category version.
Each one is a set of category weights — a way to see an idea in numbers. None of them names a fund, and none is meant for any particular person.
Built around debt: short-duration and corporate bond funds make up 60%, conservative hybrid adds 20%, with small slices of large-cap equity and gold and silver ETFs. Useful for seeing how a stability-first mix has moved.
Debt still leads at 45%, with equity savings, large caps and a larger gold and silver slice — one step up in equity from the conservative example.
A middle path: 45% in large and flexi cap equity, 20% in dynamic asset allocation, 25% in short-duration debt and 10% in gold and silver.
Equity-led at 70% across flexi cap, large & mid cap and mid cap funds, with 20% in short-duration debt and 10% in gold and silver.
90% equity with a tilt to mid and small caps, plus 10% in gold and silver. Its history shows how much deeper the falls have been in a mix like this.
Index core, active satellites
Half the mix sits in a low-cost index fund “core”. The other half is split into “satellites” — flexi cap, mid cap and thematic funds — the part that is meant to differ from the market.
Age-40 example · about 60% equity
A rule of thumb sometimes used for asset allocation sets the equity share at roughly 100 minus age. This age-40 example holds about 60% equity and 40% debt — change the weights to model a different age.
Money grouped by when it is needed
Bucket 1 holds money for years 1–3 in liquid and short-duration debt, bucket 2 holds years 3–7 in hybrid funds, and bucket 3 holds the 7+ year money in equity.
A goal about ten years away
Equity-led for the long stretch, with short-duration debt and gold and silver alongside. A common approach is to move gradually towards debt as the date gets closer — you can model each stage by editing the weights.
The five risk examples, one after another: the donut shows each mix, the line shows how it grew. Choose one, or let it play.
| Example | Equity | ₹10,000 became | 5-year CAGR | Worst fall |
|---|---|---|---|---|
| Conservative example | 10% | ₹21,919 | 8.2% | −7.4% |
| Moderately conservative example | 20% | ₹24,609 | 9.4% | −11.7% |
| Moderate example | 45% | ₹27,154 | 9.0% | −20.8% |
| Moderately aggressive example | 70% | ₹32,662 | 10.9% | −25.7% |
| Aggressive example | 90% | ₹39,149 | 12.6% | −32.3% |
Rebalanced yearly. Illustrative example — not a recommendation. Built from category averages (or the funds you chose). Past performance does not indicate future returns.
Each slot stands for a whole category, measured by the average of every fund in it. The examples never name a fund, so what you see is how a kind of portfolio behaved — not how one product did.
Weights scale to 100%. Rebalancing is your choice — yearly by default, quarterly or none. A test starts when every slot has history, returns follow the same rule as the rest of the site, and suspect data points are dropped and counted, not hidden.
Rename, edit, duplicate or delete any example — they are starting points, not products. Removed one by mistake? Restore the originals without touching your own mixes. A fund goes into a slot only if you put it there.
No. Sample Portfolios are illustrative examples for learning and discussion. They are not recommendations to buy, sell or hold any fund, and they do not take anyone’s goals, income, tax position or risk profile into account. EquiResearch is not registered with SEBI as an investment adviser or research analyst. If you work with clients, your own suitability and risk-profiling process still applies.
From mutual fund NAV history. Each category’s line is the equal-weighted average daily return of every fund in that category that has a NAV on both days, starting from the first day with at least three funds. If you put a fund of your own choice in a slot, that slot uses the fund’s own NAV history instead. Daily moves larger than 20% are treated as data errors and left out, and the results say how many were dropped. Returns over a year or more are annualised (CAGR); shorter periods are plain returns.
Yes. Add, rename or remove slots — up to 12 in one sample — choosing from all 51 fund categories, from liquid and gilt funds to small caps, thematic funds and gold and silver ETFs. Weights do not have to add up exactly: they are scaled to 100%. You can also start a sample from scratch.
Yes, if you choose to. Any slot can hold a fund you pick instead of the category average — useful for testing funds you already hold or are studying. We never put funds into the examples, and we do not suggest which fund to choose.
Sample Portfolios are available to every signed-in EquiResearch user, and creating an account is free. Sign up with your name, email and mobile number, or with Google, and the nine examples are waiting in your workspace.
As far back as every slot in the mix has data: a test starts on the latest first date among its slots. Pick 1, 3, 5 or 10 years, or the full history. The live chart on this page uses up to the last ten years for the five risk examples.
Over time a mix drifts as some categories grow faster than others. Rebalancing resets it to your chosen weights. Pick yearly (the default), quarterly or none, and compare how the choice changes growth and the worst fall.
Yes. Enter a monthly amount and the test invests it on the first trading day of each month over the chosen period, then shows the amount invested, its value and the XIRR. Nothing is assumed: without an amount, no SIP figures are shown.
The nine examples are ready the moment you sign in. Change anything — they are yours to edit, test and delete.
Illustrative examples — not recommendations. Past performance does not indicate future returns.