RupeeCase
Education . Risk Profile . 2 of 3
Same 50 lakh . Same late crash . Two mixes
One of them missed the tuition.

Two savers. Each with Rs 50 lakh, two years from the goal. A 35 pct equity fall lands in the final stretch, then a partial bounce. That fall needs a 53.8 pct climb to undo, about four years at a normal equity return. The only difference here is the mix each carried into the last mile.

Held 90 / 10
Never turned
the dial down
Crash year-30.9 pct
Bounce year+16.8 pct
Corpus at the goal
40.35L
9.65L short of the seat
Glided 25 / 75
De-risked before
the deadline
Crash year-4.25 pct
Bounce year+9.00 pct
Corpus at the goal
52.18L
funded . 2.18L to spare
Same fifty lakh. Same crash. The mix they carried into the last mile is the whole difference.
11.83L