Visual Goal Planner
Plan multiple financial goals simultaneously. Visualize goal priorities and allocate investments optimally across goals.
Visual Goal Planner
Result
How it works
Formula Used
Allocate returns by priority: Short-term → Conservative, Long-term → Aggressive Multi-goal planning with asset allocation by timeline
Smart Tips
- Short-term goals (1-3 yrs): Debt funds only
- Medium (3-7 yrs): 40% equity, 60% debt
- Long-term (7+ yrs): 80-100% equity
Best Used For
Balance multiple goals: house, car, education, retirement
FAQs
How do I prioritize between multiple goals?
Timeline method: shorter goals get conservative allocation. Amount method: larger goals get priority. Urgency method: urgent goals first. Use combination. Recommend: retirement > children's education > house > leisure goals.
Can I invest in the same fund for multiple goals?
Yes. One equity fund can feed multiple goals if timeline aligns. But separate accounts help psychological tracking. Many use goal-based investing apps for clarity. Technically same, practically better to separate.
What if I can't save for all goals simultaneously?
Prioritize ruthlessly. Start with retirement (most important), then children education (long timeline benefits), then others. Partial SIP for all goals vs full SIP for few? Choose full SIP for priority goals.
Should I stop one goal's SIP to increase another?
Only if forced by cash flow. Better to increase overall savings. If you must choose, pause shortest-term non-critical goal temporarily. But resuming is harder than continuing. Avoid starting and stopping.
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