Investment Intelligence

Portfolio & Risk Analyzer — See Where You Actually Stand

See your current asset allocation across equity, debt, gold, and cash, compared against a Conservative, Moderate, or Aggressive risk profile.

Analyze My Portfolio
Shows your actual current allocation across stocks, mutual funds, FDs, and NPS
Compares your allocation against three standard risk profiles
Highlights whether your equity exposure is too high or too low for your risk level
Suggests rebalancing direction based on the gap between actual and target allocation

How it's calculated

1
We calculate your current allocation
Based on your holdings across stocks, mutual funds, fixed deposits, and NPS, we compute your actual equity and debt split.
2
Choose a risk profile
Select Conservative, Moderate, or Aggressive to see the recommended asset allocation for that risk level.
3
Compare actual vs recommended
See exactly how your current allocation differs from the target allocation for your chosen risk profile.
4
Get a rebalancing signal
If your equity exposure is significantly higher or lower than recommended, Fiiuno flags it so you can consider rebalancing.

Benchmarks we use

20% Equity
Conservative profile target
Low-risk allocation focused on debt (60%) and FDs, suited for capital preservation over growth.
50% Equity
Moderate profile target
Balanced allocation between equity and debt for investors seeking growth with moderate risk.
75% Equity
Aggressive profile target
Growth-focused allocation with heavy equity exposure for investors with high risk tolerance and longer time horizons.

Frequently Asked Questions

How is my current allocation calculated?
We use your reported holdings across stocks, mutual funds, fixed deposits, and NPS to calculate the percentage split between equity, debt, gold, and cash.
What risk profile should I choose?
This depends on your investment horizon, financial goals, and comfort with market volatility. A common rule of thumb is that equity allocation can decrease as you get older or closer to your goal.
Should I always rebalance to match the target exactly?
Not necessarily — the target is a guideline, not a rule. Significant deviations (well above or below the recommended equity range) are usually worth reviewing, but minor differences may not need action.
Is this personalized investment advice?
No. This tool provides a general framework based on standard risk profiles for informational purposes and does not constitute personalized investment advice. Consult a SEBI-registered advisor for advice specific to your situation.

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