Age-based asset allocation Here, you must invest in risky assets or non-risky assets; basically, the allocation is done based on your age. For example, suppose you are 30 years old. You must invest 70%, i.e., 100 - 30, in a riskier asset such as equity, while the balance 30% is invested in diversified low-risk instruments such as bonds, bullion, REITs, etc. The rule of 100 - age asset allocation strategy is laid out just to make your financial planning seem easier to analyse.
