Same person. Same nerve. Two honest answers.
Rs 20 lakh, split across two goals with very different deadlines. One label puts 50 pct equity on both. Profiling each pot by its own deadline puts 10 pct on the near money and 80 pct on the far money. Illustrative, equity 12 pct, debt 6.5 pct, one 35 pct equity fall landing in the final year before the flat.
| The two pots . Rs lakh |
One label |
Per deadline |
| Flat deposit . 5 lakh . 2 yrs | 4.66 | 5.47 |
| Retirement . 15 lakh . 25 yrs | 136.97 | 199.24 |
| Gap | 62.27 lakh . plus a flat that does not close |
The near pot needed 5.00 and the one label brought 4.66. Short. Profiled on its own deadline it brings 5.47 and closes with room. The far pot gives up 62.27 lakh over twenty five years for equity it had every year in the world to hold. Honest bit. If no fall lands in that final year, the 50 pct near pot finishes 24035 ahead. That number is the price of not gambling on a date you cannot move.