This is a special segment of ratio reference to take a quick look when we compared Fixed returns (excluding FD ), Gold and Investment Accounts against Equities. They are generally quite liquid. The reason to exclude FD is that they are funds segregated from investments. Fixed Deposits are Emergency Funds of about 4 years. Not a lot in my situation. What can I read from the table ?

1. There is theoretical 20% reallocation as War Chest from T-Bills/SSB and Multipliers.

In practice, SSB which are receiving 3%+ will be quite hard to re-balance out. T-Bills will be much easier.

2. The Dividend generated are more than enough to pay down the loan.

Yet think through what to do with excess from recent Tariff re-balance exercise.

3. Growth comes from US Market and Banks. Banks only 42% in this Chart perspective.

Poking on ChatGPT Here's what I got in perspective. I did not mention my age....