Most of us (after 45 years) wish to put around at least 20-25% of the corpus to debt instruments. Considering a 33% tax bracket and long-term goals.
Obviously, 1. The emergency funds are in short-term FD/Debt funds. 2. 1.5 lakhs goes to PPF, and 3. Also, to the Sukanya Samriddhi Yojana, if...