Asset Allocation Tool
The Simple Way to Invest Smart
Think of your money like a cricket team. You can’t win with just batsmen or only bowlers. You need the right mix — openers, all-rounders, bowlers, a wicketkeeper. The Asset Allocation Tool tells you how many “players” (stocks, gold, bonds, index funds, etc.) you should have in your team, so you can win the long game of wealth creation.
What you will get after this tool:
Instead of guessing, the tool tells your first step i.e.:
- How much in equity (for growth)
- How much in fixed income (for safety)
- How much in gold/silver (for protection)
- And when to hold cash.
Key Benefits
Safety Net Built In
It checks your money habits (income vs. expenses) and your net worth. Then it gives you a plan that matches your risk level — so you don’t take on more than you can handle.
Smarter Timing
The tool even looks at the Nifty PE (value of market) and Dow Theory (trend of market). This is like checking the weather before a match — are conditions sunny or cloudy? It guides you to invest more or hold back.
Fits Your Style
Aggressive? Moderate? Conservative? The tool adjusts automatically. You don’t need to figure it out — just fill in your details in the blue boxes, and the plan is ready.
Solution
- Strategic Allocation — long-term mix of assets 🎯
- Tactical Adjustment — short-term market tweaks 📈
- Risk Check — ensures you stay in your safe zone ✅
- Exact % and amounts — no guesswork, only clarity 💡
Problem
- Most investors put money randomly in hot stocks
- Portfolios are either too risky or too dull
- Nobody tells you when to rebalance
- No idea how much to invest where
Reviews
Read inspiring testimonials from users who successfully found jobs using our platform.
Simple, honest finance courses that empower you with strategies, Al tools, and real support.
Jay Shah
Banker
Amazing tools guiding my financial freedom journey since 2020, truly grateful.
Kirti
Student
CSS Sheet and Coela Al made finance clear, organized, and profitable with ISMA 3.0.
Dipak Waykar
Businessman
ISMA taught me MF, insurance, bookkeeping, and expert analysis in simple language.
Devdatt Shah
Full time Trader
Case Study
Ravi
Ravi’s Story
Ravi is 32. He earns well but always felt stuck when it came to investing.
He had questions like:
- How much of my savings should go into stocks?
- Should I buy gold now or later?
- How do I reduce risk but still make profits?”
Inside ISMA, Ravi first learned the basics of asset allocation — how professionals spread money across equity, debt, gold, and index funds, and why this balance reduces risk.
But learning wasn’t enough. He needed to apply it to his own portfolio. That’s where the Asset Allocation Tool came in.
With just his net worth, income, expenses, and age bracket entered in the blue cells, the tool showed him a clear allocation strategy. And because he already understood the logic behind it, Ravi felt confident taking action.
Now Ravi has:
- A balanced portfolio that matches his risk profile.
- Clarity on when to be cautious or aggressive (thanks to Nifty PE + Dow Theory concepts he learned).
- The peace of mind that he’s investing like a pro, without overcomplicating things.
Your Next Step
Your business is your passion. But your financial future shouldn’t depend on just one source.
With ISMA 3.0, you’ll learn how to diversify, invest confidently, and grow wealth on the side — without taking time away from your work.
Frequently Asked Questions
You’ll get the tool + training videos. You’ll also join our Action Marathon sessions, where mentors help you set it up in real time.
No. It’s made so simple a teenager can use it. Just type in your details, and it gives you the plan.
Yes. It uses live market indicators (Nifty PE & Dow Theory) to tell you when to be bold or cautious.
Because it’s not generic. It adapts to your age, income, expenses, and goals. Most tools just give one-size-fits-all answers.
Yes. Our support team + Goela AI + live mentor sessions ensure you’ll never be stuck.