< 30

30-45

> 45

Only Bank/FDs/LIC/PPF

Bank and MF –Debt only

MF – Debt and equity

Direct Equity and Equity MF

Low returns but high security

Medium returns with not high risk

Maximum equity allocation for highest long term returns

You will sell MF and move to Bank FD

Hold and wait for market to recover

Buy more and average as you believe in long term power of equity