Portfolio Allocator
How much of your net worth should be in real estate? Get a personalised allocation based on your age, income stability, risk profile, and goals.
Your Profile
2265
% of current net worth already in real estate (primary home counts).
Fill in your profile to get a personalised real estate allocation recommendation.
Recommended RE Allocation
Suggested Portfolio Mix
Personalised Insight
Key Principles
- •The "100 minus age" rule for equity allocation applies to RE too — younger investors can take more illiquidity
- •Real estate is illiquid — always keep 6–12 months expenses in liquid assets before buying
- •Avoid over-concentration: >60% in RE limits flexibility and creates single-asset risk
- •A self-occupied home is both asset and consumption — don't count it as pure investment
Disclaimer: This is a general guideline tool, not personalised financial advice. Consult a SEBI-registered fee-only financial planner for a tailored portfolio strategy.
Typical Real Estate Allocation by Life Stage
| Life Stage | Suggested RE % | Rationale |
|---|---|---|
| 22–30 (Building corpus) | 10–25% | Focus on liquid assets; RE only if forced-saving benefit needed |
| 30–40 (First home / early career) | 30–50% | Own home purchase; start RE wealth building |
| 40–50 (Wealth accumulation) | 40–60% | Second property or commercial; balance with equity MF |
| 50–60 (Pre-retirement) | 35–55% | Reduce illiquid exposure; ensure rental yield covers costs |
| 60+ (Retirement) | 25–40% | Liquidity crucial; may consider downsizing or REITs |
Includes primary residence. Adjust for individual income stability, dependents, and goals. REITs offer real estate exposure with higher liquidity for those in later life stages.