Equity: Growth stocks – 40 , Value stocks – 35 , Defensive stocks – 25
Mutual Funds: Growth Fund - 40 Income Fund – 60

To make up for the decline in income in the post-retirement phase, you should increase investment in bonds and debentures (25%). Investment in equity should be brought down to 20%. The suggested split in equity is :Growth stocks: 40% Value stocks: 35% Defensive stocks: 25%
11% of the savings should be invested in mutual funds (40% in growth funds and 60% in income funds).19% of your investible surplus in savings account will take care of any emergencies. Real estate and gold should each account for 5% of your portfolio. An investment of 10% in insurance and 5% in tax saving instruments is suggested.