Your age, your formula the “100 MINUS AGE RULE” for lifelong growth"

Hello ,I’m You! Let Me Ask You Something…

Have you ever paused on your birthday and thought – What changed this year? Not just in life, but in how you grow your wealth?

At25, dreams are big, risks feel smaller, and time feels endless.

At35, responsibilities grow – career, home, family.

At45, your future feels closer and more precious than ever.

So, shouldn’t your investment strategy grow with you too? That’s the essence of investing by age – letting your money evolve as your life does.

There is a simple formula that answers this: The 100 minus your age rule – a smart and time-tested equity allocation rule that helps your investments grow with your life.

THE SIMPLE RULE

Here's how it works:

Subtract your age from 100 – the remainder is the percentage of your capital you should invest in growth-focused equity investments (stocks, equity funds, ETFs). In simple words, this rule tells you exactly how much to invest in stocks at any age.

The rest – your remaining percentage – goes into safer investments such as debt funds, fixed deposits, liquid funds, and insurance.

Example:

·        At30: 100 – 30 = 70% equities, 30% in debt funds & other safe assets

·        At40: 100 – 40 = 60% equities, 40% debt & safety portfolio

This simple number changes the way your portfolio grows with your life.

WHY YOUR PERCENTAGE CHANGES

Every year, life adds new responsibilities. A growing career, a family, children’s education, retirement planning.

This approach is part of a broader age-based investment strategy:

·        At25 – you focus on growth. High equity exposure makes sense.

·        At35 – you balance growth with stability.

·        At45 – your focus includes preserving wealth and preparing for future milestones.

The age-based ‘100 (Minus) Your Age’ strategy, reflects this reality. It’s not about investing less – it’s about investing smarter – a positive, life long investment strategy.

THE REMAINING PERCENTAGE – DEBT FUNDS & MORE

What about that remaining percentage? That’s where debt funds come in — let’s get debt funds explained in simple terms. They form the safety net of your portfolio, keeping it stable while still generating steady returns.

Debt Funds Include:

·        Government Bonds – backed by the government, safe and stable.

·        Corporate Bonds – issued by companies, offering higher returns with calculated risk.

·        Treasury Bills – short-term government securities with high safety.

·        Commercial Papers – short-term corporate borrowings for steady returns.

·        Certificate of Deposits (CDs) – bank-issued deposits with fixed returns.

·        Liquid Funds – ultra-safe short-term instruments for easy liquidity.

These instruments give you stability, peace of mind, and a reliable portion of your portfolio that supports your equity growth.

Example for a 30-year-old investor: Invests,

·        70%in equities – to grow wealth aggressively

·        30%in debt funds & safety assets – to preserve capital and meet future needs

THE BIGGER PICTURE – INVESTING WITH PURPOSE

Wealth creation is just one side of investing; the other is building a life you desire ;it’s about building your future. This rule helps you to:

·        Stay disciplined – you don’t second guess every investment decision.

·        Stay balanced – your equity exposure always aligns with your ‘age’ and life stage.

·        Stay ahead – you’re growing your wealth while preparing for responsibilities like marriage, children’s education, retirement, and emergencies.

This simple rule transforms your birthdays into reminders of your evolving financial journey – and keeps your investments working for you every year.

A SELF-NOTE TO YOURSELF – EVERY BIRTHDAY

Think of every birthday as a financial checkpoint. Here are some simple beginner investing tips to keep your portfolio on track:

·        At25: invest 75% in equities

·        At30: invest 70% in equities

·        At40: invest 60% in equities

The rest is your safety net – debt funds, schemes, liquid funds, and insurance.

It’s not about investing less – it’s all about right-sizing your portfolio so it grows with you. Every year, your portfolio should grow not just in numbers, but in wisdom.

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WHY IS THIS RULE POSITIVE FOR EVERYONE

We don’t say “invest less” – we say invest smarter with age.

The“100 Minus Your Age” rule is a growth blueprint for life which,

·        Keeps you invested in stocks – the engine of wealth creation.

·        Adapts your equity exposure to your life stage.

·        Builds stability with debt funds & safe assets ,especially when following GoPocket investment guidance.

Every birthday becomes a reminder – not of what you lose, but of what you gain: a strategy for lifelong growth.

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