Methodology version 1

How the comparison works.

This is a comparison with people who chose to respond. It is not a representative estimate of how all Indians invest, a wealth assessment, or investment advice.

What counts as a portfolio

Report the current value of your investments, including investment real estate if applicable. Exclude your primary home. Stocks, equity funds, debt funds, crypto, gold, fixed deposits, retirement accounts, investment real estate and other investments are separate categories. Avoid counting the same holding twice. This is gross investment value, not net worth after debts.

Who is compared

We compare your reported investment value with other eligible submissions in your age bracket. Your own submission is excluded. We show the number of peers. There is no substitution with all ages and no minimum of 30 or 50: one or more peers produces a calculation, below 30 is labelled early data, and zero peers produces a first-contributor state.

All valid high and low values are retained. Test, bot, confirmed duplicate, invalid or withdrawn records are excluded when identified. Self-reports are unverified, and abuse controls do not prove one person per response. Profession is collected for future analysis; this version compares by age only.

Amounts, ranges and ties

An entered amount represents one reported value. A range remains an interval; we never replace it with a midpoint. Brackets use whole rupees and an exclusive upper boundary in their labels. For example, ₹10 lakh–under ₹12 lakh means ₹10,00,000 through ₹11,99,999. The top bracket is open-ended.

For exact amounts, the percentile is 100 × (peers below you + 0.5 × peers tied with you) ÷ peer count. Equal reported amounts receive half credit. A percentile of 80 corresponds to the top 20% of those respondents.

For interval data, we calculate the smallest and largest rank compatible with all submitted bounds. The lower rank places you at your lower bound and each peer at their upper bound; the upper rank places you at your upper bound and each peer at their lower bound. Equal boundaries receive half credit. An unbounded upper end can extend the possible rank to 100.

For example, if 60 of 100 amount-based peers are below ₹10 lakh and 75 below ₹12 lakh, with no relevant boundary ties, a ₹10–12 lakh submission may fall around the 60th–75th percentile, or top 25–40%. Overlapping peer ranges can make the interval wider. The exact whole-rupee endpoints determine the final calculation.

We show a range whenever possible positions differ. Bounds are rounded outward to one decimal place. Exact ranks are rounded to one decimal. This is uncertainty from entered ranges, not a statistical confidence interval or an adjustment for sampling bias.

Your allocation

Your own total or range and entered categories are always available. A blank category means not provided; zero means no holding. Unexplained amounts are labelled not provided and are never silently assigned to Other investments.

Peer allocation means use complete, consistent, positive breakdowns only. Each person’s share has equal weight; it is not a sum of everyone’s assets. Equity combines stocks and equity funds. Each comparison shows its own eligible sample count. A zero portfolio can rank by value, but has no percentage allocation.

In range mode, the allocation chart describes the entered category amounts. If a complete breakdown is supplied, it must fall within the reported range; the rank still respects the selected range. Partial or inconsistent breakdowns do not contribute to peer allocation means, even when the total remains usable for ranking.

Interpreting results

Results reflect eligible records when calculated and are a snapshot in your current tab. They may change as people contribute or records are reviewed. Small samples can produce extreme percentiles; a high or low rank does not indicate a good or bad investment strategy.