RupeeCase
Education . The Mix vs The Pick . 2 of 3
Freeze the picking, move only the split
The drop shrinks fast. The return barely moves.
Hold the same index in the equity sleeve the whole way down, so not one share changes. Only the mix moves. Add debt and gold and the worst drop falls off a cliff while the yearly return gives up almost nothing.
Add debt and gold and the worst drop falls fast while the yearly return barely moves WORST DROP BY MIX . RETURN PER YEAR ON THE LEFT . PCT 100 / 0 / 0 11.0 pct a year minus 52 80 / 15 / 5 10.25 pct a year minus 44 60 / 30 / 10 9.5 pct a year minus 36 40 / 40 / 20 8.8 pct a year minus 28 0 20 40 60 Same index in the equity sleeve . only the mix changes . illustrative
Source . illustrative long run assumptions . worst drop is a weighted proxy
You gave up 2.2 points of yearly return and cut the worst drop by 24. Same stocks the whole way. The mix did all of it.
Source . illustrative . 24 Jul 2026
Tanmay Kurtkoti . Builder of RupeeCase