Build a fund basket

Eight questions in, a rules-based basket out: an asset allocation, specific Direct-plan funds, a monthly SIP for each and a backtest of the lot. No black box — every rule that shaped the answer is shown next to the fund it picked.

Your ageInvest for (years)

Monthly take-home (₹)Monthly expenses (₹)

Monthly surplus: ₹40,000

Already invested (₹)What's it for?

Target amount (₹, today's money — optional)I may need this money at short noticeRules out anything with a lock-in, including ELSS.If your funds fell, you would…

Income tax slab

I have 6 months of expenses set asideSeparate from the money above. Without it, nothing with market risk is suitable yet.I file under the old regime and want to use 80CAdds an ELSS sleeve with a 3-year lock-in. The new regime has no 80C, so leave this off if you file under it.Deploy 70% of surplus

The rest absorbs lumpy annual spend — premiums, fees, travel. An SIP you cancel in month 8 is worse than a smaller one you keep for 15 years.

Assume 11% equity return

Your basket appears here

Fill in the form and press Build my basket. You’ll get an asset allocation, the specific Direct-plan funds behind it, a monthly SIP for each, and a backtest of the whole basket — with the rule that picked every fund shown next to it.