New Delhi, April 29 -- Due to the ongoing geopolitical uncertainty, the benchmark Nifty 50 index has lost about 7.16% of its value since the start of 2026. Furthermore, the index has remained flat over the last year, currently hovering around 24,200-24,500.

These factors have forced investors to question the popular '70:30 rule,' which suggests allocating 70% of funds to growth assets such as mutual fund SIPs and equities and 30% to fixed savings schemes such as Senior Citizen Savings Schemes (SCSS), Public Provident Funds (PPF) and Sukanya Samriddhi Yojana (SSY) to guard against market volatility.

Still, how should one plan their investment allocation in the current environment? What is the way forward? Due to changing market dynamics,...