What each holding does in this what-if
HypotheticalEffect on the portfolio (percentage points)
Large-cap shares (India)-10.5%
Mid/small-cap shares-4.4%
Government bonds1.2%
Corporate bonds-0.6%
Gold (in rupees)1.6%
Cash / liquid funds / FD0.0%
US shares fund (USD)-1.0%
Effect in rupees
Large-cap shares (India)-₹5.25 lakh
Mid/small-cap shares-₹2.19 lakh
Government bonds₹58,219
Corporate bonds-₹32,496
Gold (in rupees)₹77,500
Cash / liquid funds / FD₹1,125
US shares fund (USD)-₹48,750
Paying the cash need (forced selling)
HypotheticalThe need of ₹4 lakh can be met by selling the calmest assets first.
Share of risky assets: 34% before → 37% after
Sold: Cash / liquid funds / FD₹4 lakh
Crash path, month by month
HypotheticalStylised, not a forecast: a straight-line fall, then a recovery with a fixed half-life.
Lowest point ₹43.12 lakh in month 6; about 86 months to recover 90% of the fall.
Reverse stress test
HypotheticalInstead of picking a fall and seeing the damage, this asks: how big a fall breaks things?
- Your comfort limit: breaks if shares fall about 48%.
- Your 12-month cash cover: holds even if shares fall 95%.