Portfolio Expected Return Calculator (Weighted Asset Allocation)
Calculate the weighted average CAGR and projected future value of your multi-asset portfolio across Equities, Debt, Gold, and Cash in India.
Blended annual compound velocity across all 4 asset classes
*Past performance does not guarantee future results. Rebalance annually to lock in profits.
Important Educational Disclaimer for Calculator Results:
Calculations are estimates based on your entered inputs and selected return or inflation assumptions. Results are illustrative, hypothetical, and not guaranteed. Actual market returns, interest rates, tax liabilities, and inflation rates will vary and may materially alter your final outcome. This calculator does not constitute financial, investment, or tax advice.
What is your portfolio's weighted earning velocity?
Your custom allocation (60% Equity, 25% Debt, 10% Gold, 5% Cash) generates an overall expected weighted return of 10.05% CAGR. Over 5 years, a portfolio of ₹10,00,000 will grow into an estimated ₹16,22,738.
- Weighted CAGR: 10.05% p.a. (Combines aggressive equity growth with debt and gold safety).
- Estimated Wealth Creation: +₹6,22,738 over 5 years.
- Multi-asset diversification protects your portfolio against major equity bear markets while ensuring steady real growth.
How This Calculator Works
Multiplies the portfolio weight of each individual asset class by its expected annual rate of return, summing the products to compute the blended composite rate.
Weighted Return = Σ (Asset Weight % × Asset Expected Return %)Variables in Formula:
Worked Step-by-Step Example
A classic 60:25:10:5 portfolio of ₹10,00,000 (60% Equities at 12%, 25% Debt at 7%, 10% Gold at 9%, 5% Cash at 4%) over 5 years.
Key takeaway: The portfolio captures strong upside with significantly less volatility than a 100% equity allocation.
Common Mistakes to Avoid
⚠ Weights not adding up to 100%
Always ensure your asset class allocations total exactly 100% to avoid skewed CAGR models.
⚠ Neglecting annual rebalancing
Equities tend to outperform debt over time, causing their portfolio weight to drift higher. Rebalance annually to maintain your target risk profile.
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