Income visibility and retirement structure.

Equity is the residual 100 minus age. Fixed income is age minus the selected gold allocation and minus alternatives, where applicable. Gold may be up to 10%.

Calculate the age-based fixed-income amount and the amount required for goals within five years. The final fixed-income amount is the higher of the two.

Equity projections must show 12%, 15% and 18% outcomes as a range. Fixed income uses 9% and gold uses 7%, all as planning assumptions rather than guarantees.

Alternative and illiquid investments are capped at 10%. The AI must flag exposure above this limit and must not automatically approve an exception.

Up to ₹20 lakh: 100% mutual funds. ₹20 lakh–₹1.5 crore: 75% mutual funds and 25% direct stocks. At ₹1.5 crore: 50% mutual funds, 17% direct stocks and 33% PMS. Incremental capital then goes to equity mutual funds until mutual funds reach 60%; thereafter maintain 60% mutual funds and 40% direct stocks plus PMS, with the internal split requiring adviser review.

Property-related EMI is an asset-building savings commitment, not ordinary living expense. It still reduces the monthly amount available to invest.

Where applicable, Pinkbull’s approved guidance is to service interest only until construction completion rather than principal plus interest. This is adviser-led, not an automatic execution instruction.

Loan Against Securities with corporate bonds and heart/cancer-related insurance require adviser review. The AI may explain the issue but must not invent eligibility thresholds or automatically recommend execution.

Self-occupied homes, jewellery, own-use offices and consumption assets are excluded from investible assets. Pinkbull does not recommend silver.