{"id":15247,"date":"2026-07-30T15:02:49","date_gmt":"2026-07-30T09:32:49","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=15247"},"modified":"2026-07-29T15:12:50","modified_gmt":"2026-07-29T09:42:50","slug":"bond-portfolio-allocation-how-much-should-you-invest-in-bonds","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/bond-news\/bond-portfolio-allocation-how-much-should-you-invest-in-bonds\/","title":{"rendered":"Bond Portfolio Allocation: How Much Should You Invest in Bonds?"},"content":{"rendered":"<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">\ud83d\udcdd Quick Summary:<\/div>\n<h2 class=\"gpi-custom-widget-h2-content\"><span class=\"ez-toc-section\" id=\"Quick_Summary_A_common_rule_says_subtract_your_age_from_100_to_get_your_share_of_equity_It_is_a_starting_point_and_not_an_answer_because_it_ignores_when_you_need_the_money_how_steady_your_income_is_and_how_you_behave_when_markets_fall_This_piece_explains_what_really_decides_how_much_to_invest_in_bonds_what_bonds_and_deposits_pay_in_2026_and_how_the_number_should_change_as_your_life_changes\"><\/span><strong>Quick Summary: A common rule says subtract your age from 100 to get your share of equity. It is a starting point and not an answer, because it ignores when you need the money, how steady your income is, and how you behave when markets fall. This piece explains what really decides how much to invest in bonds, what bonds and deposits pay in 2026, and how the number should change as your life changes.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n\n\n<p>Every investor faces the same question at some point. You have money saved. Part of it can go into shares, which grow well over long periods but can also fall hard in a bad year. Part of it can go into bonds, which pay a fixed return and move far less. What you have to decide is the split between the two.<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/bond-portfolio-allocation-how-much-should-you-invest-in-bonds\/#Quick_Summary_A_common_rule_says_subtract_your_age_from_100_to_get_your_share_of_equity_It_is_a_starting_point_and_not_an_answer_because_it_ignores_when_you_need_the_money_how_steady_your_income_is_and_how_you_behave_when_markets_fall_This_piece_explains_what_really_decides_how_much_to_invest_in_bonds_what_bonds_and_deposits_pay_in_2026_and_how_the_number_should_change_as_your_life_changes\" >Quick Summary: A common rule says subtract your age from 100 to get your share of equity. It is a starting point and not an answer, because it ignores when you need the money, how steady your income is, and how you behave when markets fall. This piece explains what really decides how much to invest in bonds, what bonds and deposits pay in 2026, and how the number should change as your life changes.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/bond-portfolio-allocation-how-much-should-you-invest-in-bonds\/#Where_the_Age_Rule_Breaks\" >Where the Age Rule Breaks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/bond-portfolio-allocation-how-much-should-you-invest-in-bonds\/#The_Four_Things_That_Decide_Your_Number\" >The Four Things That Decide Your Number<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/bond-portfolio-allocation-how-much-should-you-invest-in-bonds\/#What_You_Are_Actually_Choosing_Between\" >What You Are Actually Choosing Between<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/bond-portfolio-allocation-how-much-should-you-invest-in-bonds\/#The_Number_Should_Not_Stay_Fixed\" >The Number Should Not Stay Fixed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/bond-portfolio-allocation-how-much-should-you-invest-in-bonds\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/bond-portfolio-allocation-how-much-should-you-invest-in-bonds\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/bond-portfolio-allocation-how-much-should-you-invest-in-bonds\/#Sources\" >Sources<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/bond-portfolio-allocation-how-much-should-you-invest-in-bonds\/#Disclaimer\" >Disclaimer<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<p>For a conservative investor, that split matters more than for anyone else. A conservative investor is someone who cares more about protecting money than growing it quickly: hold too much in shares, and one bad year can take away savings you were counting on; hold too much in bonds, and your money grows slower than prices rise. Getting that balance right is what a conservative investment portfolio in India is for.<\/p>\n\n\n\n<p>Most people settle this with a shortcut. Subtract your age from 100. That number is the allocation for shares. The rest goes into bonds. So a 30-year-old holds 70% shares and 30% bonds. A 70-year-old holds the opposite.<\/p>\n\n\n\n<p>The shortcut is easy to remember and easy to apply. It is also a weak answer to how much to invest in bonds, because it uses one fact about you and ignores three others that matter just as much. Age on its own cannot tell you how much to invest in bonds.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Where_the_Age_Rule_Breaks\"><\/span><strong>Where the Age Rule Breaks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Age is a rough stand-in for time. The thinking is simple. A young person has decades to recover from a bad year in shares. Someone near retirement does not. That part is fair, and it is why age appears in every guide on how much to invest in bonds. The problem is what the rule leaves out.<\/p>\n\n\n\n<p>It assumes all your money is needed at retirement. If you plan to buy a house in four years, that money cannot sit in shares, whatever your age is. It also assumes every 40-year-old earns the same way. A salaried person with a steady job and a freelancer with uneven income should not hold the same asset allocation, even at the same age.<\/p>\n\n\n\n<p>It assumes you will sit still during a crash. Many people do not. They sell near the bottom, which turns a paper loss into a real one. Someone who panics with 70% in shares would have been better off with 50%.<\/p>\n\n\n\n<p>So treat the age rule as a starting number. Then adjust it. Those adjustments decide how much to invest in bonds for you, and the adjustments are where the real answer actually lives.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Latest Bond Updates:<\/h3>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/guide\/bond-investment-strategy-for-young-professionals-vs-pre-retirees\/\" aria-label=\"Bond Investment Strategy for Young Professionals vs Pre-Retirees\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/29162237\/Bond-Investment-Strategy-for-Young-Professional-and-Pre-Retirees-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Bond Investment Strategy for Young Professional and Pre Retirees\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/29162237\/Bond-Investment-Strategy-for-Young-Professional-and-Pre-Retirees-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/29162237\/Bond-Investment-Strategy-for-Young-Professional-and-Pre-Retirees-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/29162237\/Bond-Investment-Strategy-for-Young-Professional-and-Pre-Retirees-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/29162237\/Bond-Investment-Strategy-for-Young-Professional-and-Pre-Retirees-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/29162237\/Bond-Investment-Strategy-for-Young-Professional-and-Pre-Retirees.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/guide\/bond-investment-strategy-for-young-professionals-vs-pre-retirees\/\">Bond Investment Strategy for Young Professionals vs Pre-Retirees<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/guide\/bonds-or-reits-or-invits-which-is-better-for-income-investors\/\" aria-label=\"Bonds or REITs or InvITs? Which Is Better for Income Investors?\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/30133236\/Bond-or-REITs-or-INvITs-2026-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Bond or REITs or INvITs 2026\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/30133236\/Bond-or-REITs-or-INvITs-2026-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/30133236\/Bond-or-REITs-or-INvITs-2026-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/30133236\/Bond-or-REITs-or-INvITs-2026-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/30133236\/Bond-or-REITs-or-INvITs-2026-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/30133236\/Bond-or-REITs-or-INvITs-2026.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/guide\/bonds-or-reits-or-invits-which-is-better-for-income-investors\/\">Bonds or REITs or InvITs? Which Is Better for Income Investors?<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/bond-portfolio-allocation-how-much-should-you-invest-in-bonds\/\" aria-label=\"Bond Portfolio Allocation: How Much Should You Invest in Bonds?\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/29150519\/Bind-Portfolio-Allocation-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Bind Portfolio Allocation\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/29150519\/Bind-Portfolio-Allocation-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/29150519\/Bind-Portfolio-Allocation-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/29150519\/Bind-Portfolio-Allocation-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/29150519\/Bind-Portfolio-Allocation-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/07\/29150519\/Bind-Portfolio-Allocation.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/bond-portfolio-allocation-how-much-should-you-invest-in-bonds\/\">Bond Portfolio Allocation: How Much Should You Invest in Bonds?<\/a><\/li>\n<\/ul>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Four_Things_That_Decide_Your_Number\"><\/span><strong>The Four Things That Decide Your Number<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>These four points do more to set your asset allocation than your age does. Work through them, and you will have a real answer on how much to <a href=\"https:\/\/goldenpi.com\/investment-options\/list-view\">invest in bonds<\/a>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>When you need the money:<\/strong> This matters more than anything else on the list. Money you need within three years should be in bonds or deposits. Not because shares are bad, but because three years is not enough time to recover if the market falls in year two. Money you do not need for ten years can sit mostly in shares, so the date decides how much to invest in bonds far more than the age rule does. A conservative investment portfolio in India usually gets built around this one rule, because dates are the only part of investing you actually control.<\/li>\n\n\n\n<li><strong>How steady your income is:<\/strong> If your salary arrives on the same date every month, you can hold more in shares, because you will not be forced to sell during a bad patch. If your income moves up and down, you need a larger cushion of safe investment options to cover the gaps. Uneven income raises how much one should invest in bonds, at any age.<\/li>\n\n\n\n<li><strong>How you behaved the last time markets fell:<\/strong> Check what you actually did in the last big fall. If you sold, your real capacity for risk is lower than your age suggests, and your split of bonds and equity should reflect that. A plan you abandon is worse than a cautious plan you stick to. Safe investment options are only useful if you actually hold them.<\/li>\n\n\n\n<li><strong>What the money is for:<\/strong> A school fee has a fixed date and cannot be postponed. A holiday can wait a year. Money tied to a fixed date belongs in bonds. Money with a flexible date can take more risk. Fixed dates raise how much to invest in bonds. Flexible dates lower it.<\/li>\n<\/ul>\n\n\n<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">Explore Bonds<\/div>\n<div class=\"gpi-custom-widget-content\">\n<p><a href=\"https:\/\/goldenpi.com\/collections\/high-yield-bonds\">High Yield Bonds\u00a0<\/a>|\u00a0<a href=\"https:\/\/goldenpi.com\/corporate-bonds\">Corporate Bonds<\/a>\u00a0|\u00a0<a href=\"https:\/\/goldenpi.com\/collections\/tax-free-bonds\">Tax Free Bonds<\/a> | <a href=\"https:\/\/goldenpi.com\/\">Buy Bond Platform<\/a><\/p>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_You_Are_Actually_Choosing_Between\"><\/span><strong>What You Are Actually Choosing Between<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Deciding how much to invest in bonds is easier when you can see what each option pays. These are the rates available now, and they show what safe investment options in India currently pay.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><div class=\"pcrstb-wrap\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Where the money sits<\/strong><\/td><td><strong>Rate now<\/strong><\/td><td><strong>What protects you<\/strong><\/td><\/tr><tr><td>Bank savings account<\/td><td>2.5% to 4%<\/td><td>Deposit insurance up to \u20b95 lakh per bank<\/td><\/tr><tr><td>PPF<\/td><td>7.1% [1]<\/td><td>Government backing, but locked for 15 years<\/td><\/tr><tr><td>Five-year SBI fixed deposit<\/td><td>6.80% [2]<\/td><td>Deposit insurance up to \u20b95 lakh per bank<\/td><\/tr><tr><td>AAA-rated PSU bonds<\/td><td>6.85% to 7.05% [3]<\/td><td>Government-owned issuer<\/td><\/tr><tr><td>Top-rated NBFC bonds<\/td><td>7.4% to 8.5% [4]<\/td><td>Company balance sheet only<\/td><\/tr><tr><td>AA-rated housing finance bonds<\/td><td>8.0% to 9.5% [3]<\/td><td>Company balance sheet, thinner cushion<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n<p><em>Rates as of mid-2026. They change with the market and with each issuer&#8217;s rating.<\/em><\/p>\n\n\n\n<p>Read that list from top to bottom, and the trade is clear. Every step up in return is a step down in how much protection stands behind your money. That is the choice a conservative investor is really making, and it is the reason to invest in bonds at the safer end of that list.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Number_Should_Not_Stay_Fixed\"><\/span><strong>The Number Should Not Stay Fixed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your split of bonds and equity is not a decision you make once at 25 and never touch. Three events should make you revisit it.<\/p>\n\n\n\n<p><strong>A goal moves within three years of you.<\/strong> This is the most common one and the most ignored. Money for a fee due in 2029 should not still be in shares in 2028. Move it into bonds while you can choose the moment rather than being forced into it. This single habit fixes most of what goes wrong in a conservative investment portfolio.<\/p>\n\n\n\n<p><strong>Your income changes.<\/strong> A job loss, a switch to freelancing, or a new loan all reduce how much risk you can carry. The share held in safe investment options should rise when your income becomes less certain.<\/p>\n\n\n\n<p><strong>You had a real reaction to a real fall.<\/strong> If a market drop costs you sleep, that is useful information about yourself. Lower your equity share until you can hold it without selling. That is what makes a conservative investment portfolio work in practice.<\/p>\n\n\n\n<p>Reviewing once a year is enough for most people. Reviewing every week is how good plans get broken. A conservative investment portfolio needs attention once a year, not once a day.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1785316633332\"><strong class=\"schema-faq-question\"><strong>Q1. How much should I invest in bonds?<\/strong><\/strong> <p class=\"schema-faq-answer\"> There is no single number. Start with the rule of thumb for your age, then adjust it using when you need the money, how steady your income is, and how you handled the last market fall. Money needed within three years should be almost entirely in bonds or deposits regardless of your age.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785316642983\"><strong class=\"schema-faq-question\"><strong>Q2. What percentage of my portfolio should be in bonds?<\/strong><\/strong> <p class=\"schema-faq-answer\"> For most people it lands somewhere between 20% and 60%, and the range is wide because the inputs differ so much. A 30-year-old with a stable salary and no near-term goals sits at the low end. A conservative investment portfolio in India tends to sit above 50%. The correct asset allocation is the one that matches your dates, not your age alone. An ideal asset allocation of bonds and equity is personal, not universal.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785316653171\"><strong class=\"schema-faq-question\"><strong>Q3. Is there a recommended bond allocation by age?<\/strong><\/strong> <p class=\"schema-faq-answer\"> The common guide is to subtract your age from 100 and put that share in equity, leaving the rest in bonds. Some versions use 110 or 120 instead of 100, which gives a higher equity share. Treat any of these as a starting point. They are useful for a first estimate and poor as a final answer, because they ignore your goals and your income. No single asset allocation fits every person of the same age.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785316662034\"><strong class=\"schema-faq-question\"><strong>Q4. Which is better, a fixed deposit or a bond?<\/strong><\/strong> <p class=\"schema-faq-answer\"> Neither is better in every case. A bank FD is simpler and covered by deposit insurance up to \u20b95 lakh per bank, which places it among the safest investment options in India. A bond usually pays more and can be sold in the market before maturity but carries the credit risk of the issuer, so it sits a step below deposits among safe investment options. A five-year SBI FD pays about 6.80% [2]. An AAA-rated PSU bond pays about 6.85% to 7.05% [3]. The gap is small at the top of the rating scale and widens as you go down it.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785316671648\"><strong class=\"schema-faq-question\">Q<strong>5. Can I invest \u20b91,000 in bonds?<\/strong><\/strong> <p class=\"schema-faq-answer\"> Usually not. Since July 2024, SEBI has set the minimum face value for privately placed bonds at \u20b910,000, down from \u20b91 lakh [5]. So \u20b910,000 is the common entry point on most platforms today. A small number of public issue NCDs have carried a face value of \u20b91,000, but these come to market only occasionally.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785316690027\"><strong class=\"schema-faq-question\"><strong>Q6. Which bond gives 12 percent interest?<\/strong><\/strong> <p class=\"schema-faq-answer\"> Bonds paying around 12% do exist, and they are almost always low-rated or unrated. That rate is not a bargain. It is the price the issuer has to pay because the market sees a real chance of late payment or default. For comparison, AAA-rated PSU bonds pay about 7% right now, and they are among the safe investment options most conservative investors start with. If you see 12%, the useful question is not where to buy it but what the extra 5% is paying for.<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Four things decide how much to invest in bonds. Only one of them is your age. Here is a simple way to reach your own number. Start with the figure the age rule gives you. Then raise that figure if any of these is true for you.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You have a goal that falls due within the next three years.<\/li>\n\n\n\n<li>Your income is uneven, or less certain than it was.<\/li>\n\n\n\n<li>You have sold shares during a past market fall.<\/li>\n<\/ul>\n\n\n\n<p>Lower the figure only if none of those three applies. A conservative investment portfolio should reflect your dates, not a formula. Most people find that at least one of the three applies, which is why the age rule alone usually leaves them holding fewer safe investment options than they need.<\/p>\n\n\n\n<p>A conservative investment portfolio in India is not built by finding the safest product. It is built by matching each rupee to the date you need it. Safe investment options are the tool, not the goal. Get the dates right, and the split of bonds and equity mostly decides itself, and the safe investment options you need become obvious. That is the whole idea behind an ideal asset allocation of bonds and equity.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sources\"><\/span><strong>Sources<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a rel=\"nofollow\" href=\"https:\/\/righttoinformation.wiki\/small-savings-interest-rates-july-september-2026\">Small savings interest rates, July to September 2026<\/a><\/li>\n\n\n\n<li><a rel=\"nofollow\" href=\"https:\/\/ipopulse.talkytools.com\/ncds\">NCD and FD rate comparison, May 2026<\/a><\/li>\n\n\n\n<li><a rel=\"nofollow\" href=\"https:\/\/bondscanner.com\/blog\/upcoming-bonds-india-new-issues-quarter\">Upcoming Bonds in India 2026<\/a><\/li>\n\n\n\n<li><a rel=\"nofollow\" href=\"https:\/\/bondscanner.com\/blog\/ncd-interest-rates-india-2026-how-set-what-to-look-for\">NCD Interest Rates in India 2026<\/a><\/li>\n\n\n\n<li><a rel=\"nofollow\" href=\"https:\/\/www.icicidirect.com\/research\/equity\/finace\/sebi-reduces-the-face-value-of-debt-securities-to-rs-10000-to-boost-retail-participation\">SEBI reduces face value of debt securities to \u20b910,000<\/a><\/li>\n<\/ol>\n\n\n<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">Ready to Invest?<\/div>\n<div class=\"gpi-custom-widget-content\">\n<p>Visit <a href=\"https:\/\/goldenpi.com\/\">GoldenPi<\/a> to explore current bond options. Compare yields, ratings, and tenures in one place and invest online with as little as \u20b930,000.<\/p>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span>Disclaimer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Fixed returns do not constitute guaranteed or assured returns. Investments in corporate debt securities and municipal debt securities\/securitized debt instruments are subject to credit risks, market risks, and default risks, including delay and\/or default in payment. Read all the offer-related documents carefully. This blog\/article should not be construed as financial advice or as an offer or recommendation to buy or sell any security or any products\/services of\/on GoldenPi or any product\/services of its third-party client(s). For a detailed calculation of YTM, visit our website.&nbsp;<a href=\"https:\/\/delivery.goldenpi.com\/XPRBSN?id=162365=ch0GCFVXBVBUH1QDUlZXUlgBVgNSUwJVWgQGDFJQAVsEUwRfBldSBFVUAglRBFJSAA0ZBgxfQFBbERxBFSNTV10FU1cTDBgFDg5OAFIKVVFQBlZTVwQBBgFSAg0aC0BMQRIMFkwBUwoIFVdDHBwCCw1QAAsTWBpSVwgebDYxdmt\/Xl9dHxMF&amp;fl=WRVCSRBfGUkETltfVwNLAxVbCQwNWhpYVkpFGwMOBRcEWQMNUEoHSQJaV1BQAQQHTAZXA1IcAAMOBBxWB1IMFQUEVQxXXAEFBVQEUkpTVlMCUFEHU1JVAwhUAFECAQZaVFEADVAAVQBXVFRUUw==\" target=\"_blank\" rel=\"noreferrer noopener\">T&amp;C\u2019s Apply<\/a>.<\/p>\n\n\n\n<script type=\"application\/ld+json\">\n[\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"NewsArticle\",\n    \"@id\": \"https:\/\/goldenpi.com\/blog\/bond-news\/bond-portfolio-allocation-how-much-should-you-invest-in-bonds\/#article\",\n    \"isPartOf\": {\n      \"@id\": \"https:\/\/goldenpi.com\/blog\/bond-news\/bond-portfolio-allocation-how-much-should-you-invest-in-bonds\/\"\n    },\n    \"headline\": \"Bond Portfolio Allocation: How Much Should You Invest in Bonds?\",\n    \"description\": \"Wondering how much of your Bond portfolio Allocation should be? 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Start with the rule of thumb for your age, then adjust it using when you need the money, how steady your income is, and how you handled the last market fall. Money needed within three years should be almost entirely in bonds or deposits regardless of your age.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"What percentage of my portfolio should be in bonds?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"For most people it lands somewhere between 20% and 60%, and the range is wide because the inputs differ so much. A 30-year-old with a stable salary and no near-term goals sits at the low end. A conservative investment portfolio in India tends to sit above 50%. The correct asset allocation is the one that matches your dates, not your age alone. An ideal asset allocation of bonds and equity is personal, not universal.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Is there a recommended bond allocation by age?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"The common guide is to subtract your age from 100 and put that share in equity, leaving the rest in bonds. Some versions use 110 or 120 instead of 100, which gives a higher equity share. Treat any of these as a starting point. They are useful for a first estimate and poor as a final answer, because they ignore your goals and your income. No single asset allocation fits every person of the same age.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Which is better, a fixed deposit or a bond?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Neither is better in every case. A bank FD is simpler and covered by deposit insurance up to \u20b95 lakh per bank, which places it among the safest investment options in India. A bond usually pays more and can be sold in the market before maturity but carries the credit risk of the issuer, so it sits a step below deposits among safe investment options. A five-year SBI FD pays about 6.80%. An AAA-rated PSU bond pays about 6.85% to 7.05%. The gap is small at the top of the rating scale and widens as you go down it.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Can I invest \u20b91,000 in bonds?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Usually not. Since July 2024, SEBI has set the minimum face value for privately placed bonds at \u20b910,000, down from \u20b91 lakh. So \u20b910,000 is the common entry point on most platforms today. A small number of public issue NCDs have carried a face value of \u20b91,000, but these come to market only occasionally.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Which bond gives 12 percent interest?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Bonds paying around 12% do exist, and they are almost always low-rated or unrated. That rate is not a bargain. It is the price the issuer has to pay because the market sees a real chance of late payment or default. For comparison, AAA-rated PSU bonds pay about 7% right now, and they are among the safe investment options most conservative investors start with. 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As the Financial Controller at GoldenPi, India\u2019s leading bond platform, Rohit leads the intersection of financial strategy and retail investor empowerment.\",\n    \"url\": \"https:\/\/goldenpi.com\/blog\/author\/rohit_suhag\/\",\n    \"sameAs\": [\n      \"https:\/\/www.linkedin.com\/in\/carohitsuhag\/\"\n    ]\n  },\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"Organization\",\n    \"@id\": \"https:\/\/goldenpi.com\/blog\/#organization\",\n    \"name\": \"GoldenPi Technology Pvt Ltd\",\n    \"url\": \"https:\/\/goldenpi.com\/blog\/\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2023\/05\/18105628\/GoldenPi-Lean-Logo.png\"\n    },\n    \"sameAs\": [\n      \"https:\/\/www.facebook.com\/goldenpitech\",\n      \"https:\/\/x.com\/GoldenPiTech\",\n      \"https:\/\/www.linkedin.com\/company\/goldenpi\/\"\n    ]\n  },\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"WebSite\",\n    \"@id\": \"https:\/\/goldenpi.com\/blog\/#website\",\n    \"url\": \"https:\/\/goldenpi.com\/blog\/\",\n    \"name\": \"GoldenPi | Blogs\",\n    \"description\": \"All about bonds online in India\"\n  }\n]\n<\/script>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcdd Quick Summary: Quick Summary: A common rule says subtract your age from 100 to get your share of equity. It is&hellip;<\/p>\n","protected":false},"author":15,"featured_media":15251,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[25],"tags":[],"class_list":["post-15247","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bond-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bond Portfolio Allocation: How Much Should You Invest in Bonds?<\/title>\n<meta name=\"description\" content=\"Wondering how much of your Bond portfolio Allocation should be? 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