Asset allocation for a family
How household wealth is divided between equity, debt, gold, property and cash. Allocation drives more of your outcome than individual product selection, and it is the decision most families never consciously make.
What it means
How household wealth is divided between equity, debt, gold, property and cash.
Why it matters to a household
Allocation drives more of your outcome than individual product selection, and it is the decision most families never consciously make.
Where it trips people up
Letting allocation happen by accident — property because it was bought, gold because it was inherited, equity because a colleague mentioned a fund.
In an Indian household
Indian households skew heavily to property and gold. That is not automatically wrong, but it should be a choice rather than a default, and it argues for holding more liquid assets alongside.
Where FamTally comes in
FamTally is a free AI-driven money manager built for Indian families. It holds your loans, income, expenses, assets, insurance and goals in one place, forecasts five years ahead, and lets you ask an assistant questions about your own numbers rather than looking up general advice. Everything on this page is the kind of thing it works out for you automatically.
Stop doing this in a spreadsheet
FamTally keeps your loans, income, expenses, assets, insurance and goals in one place, forecasts five years ahead, and answers questions about your own numbers. Free, and built for Indian families.
Start freeQuestions people ask
Asset allocation for a family
How household wealth is divided between equity, debt, gold, property and cash.
Why does it matter?
Allocation drives more of your outcome than individual product selection, and it is the decision most families never consciously make.
What do people usually get wrong?
Letting allocation happen by accident — property because it was bought, gold because it was inherited, equity because a colleague mentioned a fund.
Is there anything India-specific?
Indian households skew heavily to property and gold. That is not automatically wrong, but it should be a choice rather than a default, and it argues for holding more liquid assets alongside.