The Time Horizon Rule is the core principle a goal planner in Pune uses: Longer the Time Horizon, Higher the Equity Allocation. Short-Term (1-3 years): 0-20% Equity, 80-100% Debt/Liquid Funds. Capital protection is key. Medium-Term (3-7 years): 40-60% Equity, 40-60% Hybrid Funds. Growth and stability are balanced. Long-Term (7+ years): 70-90% Equity, 10-30% Debt/Hybrid. Maximum growth... https://www.goldenmeanfinserv.com/goal-based-financial-planning-in-pune.php