Matching the asset to the horizon
Long-dated goals can carry equity risk; short-dated goals cannot, because a bad final year has no time to recover. It prevents the two common failures: money for next year sitting in equity, and money for twenty years sitting in a savings account.
What it means
Long-dated goals can carry equity risk; short-dated goals cannot, because a bad final year has no time to recover.
Why it matters to a household
It prevents the two common failures: money for next year sitting in equity, and money for twenty years sitting in a savings account.
Where it trips people up
Not shifting as the date approaches. A goal that was fifteen years away eventually becomes two years away.
In an Indian household
A practical rule: under three years, deposits and liquid funds. Three to seven, hybrid. Beyond that, equity — moving to safety in the last two or three years.
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
Matching the asset to the horizon
Long-dated goals can carry equity risk; short-dated goals cannot, because a bad final year has no time to recover.
Why does it matter?
It prevents the two common failures: money for next year sitting in equity, and money for twenty years sitting in a savings account.
What do people usually get wrong?
Not shifting as the date approaches. A goal that was fifteen years away eventually becomes two years away.
Is there anything India-specific?
A practical rule: under three years, deposits and liquid funds. Three to seven, hybrid. Beyond that, equity — moving to safety in the last two or three years.