🔹 What is Asset Allocation?

English: Asset allocation is the process of dividing your investment portfolio among different asset classes such as equities (stocks), fixed income (bonds), real estate, gold, and cash.
Hindi: Asset allocation का मतलब है अपने investment को अलग–अलग जगहों पर बाँटना – जैसे stocks, bonds, real estate, gold और cash – ताकि risk कम हो और returns balanced रहें।

🔹 Main Asset Allocation Strategies

1. Strategic Asset Allocation

  • English: A long-term fixed allocation plan based on your risk tolerance, goals, and time horizon. Example: 60% equity, 30% bonds, 10% gold.
  • Hindi: इसमें आप एक fixed proportion set करते हैं (जैसे 60% equity, 30% bonds, 10% gold) और उसे लंबे समय तक maintain करते हैं।

2. Tactical Asset Allocation

  • English: Short-term adjustments in allocation based on market conditions. Example: Increasing equity during a bull market.
  • Hindi: Market ke hisaab se short-term mein allocation change करना, जैसे bull market में equity बढ़ाना।

3. Dynamic Asset Allocation

  • English: Continuously adjusting portfolio as per changing market trends and economic conditions.
  • Hindi: Market trend aur economy ke hisaab se बार-बार portfolio rebalance करना।

4. Core-Satellite Strategy

  • English: Keep a “core” stable allocation (like index funds or ETFs) and add “satellite” investments (like sectoral funds, stocks) for higher returns.
  • Hindi: Portfolio का बड़ा हिस्सा safe aur stable assets में रखते हैं (core), और थोड़ी हिस्सेदारी risky but high-return assets में लगाते हैं (satellite)।

5. Age-Based / Life-Cycle Asset Allocation

  • English: Allocation changes with age – more equity when young, more bonds and debt instruments as retirement approaches.
  • Hindi: Age के हिसाब से asset allocation बदलता है – young age में ज्यादा equity, और retirement के करीब bonds व debt में ज्यादा।

🔹 Example Allocation (General Guideline)

  • Young Investor (High Risk Appetite): 70% equity, 20% debt, 10% gold
  • Middle Age (Balanced): 50% equity, 40% debt, 10% gold
  • Retired (Conservative): 20% equity, 60% debt, 20% gold

✅ Summary:
English: Asset allocation helps you manage risk and optimize returns. Choose a strategy based on your goals, risk tolerance, and age.
Hindi: Asset allocation से आप risk manage करके बेहतर returns पा सकते हैं। Strategy आपकी उम्र, goals और risk लेने की क्षमता पर depend करती है।