60-40 SIP Allocation for Moderate Risk (2026)
A 60-40 SIP allocation means 60% of your monthly SIP goes to equity and 40% to debt. It’s a common choice for moderate risk tolerance and 5–10 year goals, balancing growth and stability. You can build it with two funds or a curated mutual fund basket that maintains this mix.
What is 60-40 SIP allocation?
Each month, 60% is invested in equity (e.g. flexi-cap, multi-cap) and 40% in debt (e.g. short-duration, dynamic bond). For ₹10,000 SIP, that’s ₹6,000 equity and ₹4,000 debt.
When to use 60-40
- Tenure: 5–10 years.
- Risk: Moderate; you can accept 10–20% short-term falls.
- Goal: Child education, down payment, or long-term wealth without going all-out aggressive.
Example for ₹10,000 SIP
| Component | Amount | Role |
|---|---|---|
| Equity | ₹6,000 | Growth |
| Debt | ₹4,000 | Stability |
Benefits of 60-40
- Balance of return potential and volatility.
- Fits many investors and goals.
- Easy to implement with 2 funds or one investment basket.
How to invest
Pick one equity fund and one debt fund, or use a curated basket with a moderate 60-40 style allocation and rebalancing.
Frequently Asked Questions
What is 60-40 SIP? 60% of the SIP in equity and 40% in debt each month.
Is 60-40 good for 5 years? Yes; it’s a standard moderate mix for 5–10 year goals.
Where can I get a 60-40 SIP basket? RevenUmf offers curated mutual fund baskets with active rebalancing.
RevenUmf offers curated mutual fund baskets with active rebalancing so you don't need to pick individual funds. Explore our investment baskets here: https://revenumf.com/baskets
