very clear that they are happier with slower growth today than they were five years back and that is indirectly good news for indiato our investors time to rebalance your portfolio and time to pump in as much money as you can especially if you have a 10 years horizon or a 15 years horizon how should one go aboutsee it depends on two objectives one is how do you manage this period of heightened risk in the global markets so then you keep the asset allocation healthy between debt and equity and today debt is also earning decent returns it is not the 555 return which we were earning two years backbut you can still go heavy in spite of debt giving you good returns on equityyes you can also it depends on the personal situation so depending upon what is your income level how secure is your job how well you are doing how old are you how many dependents you have you know you need to be conscious of all those factors when you decide the debt and equity allocation so there is no one single answer for a question like this and one of the one of the products for example we have which i always recommend is the balanced advantage funds because it takes advantage of the volatility in the equity market and also gives you some debt exposure all the time so you are not missing out on that part if the yields go up you are also not missing out on volatility in the equity markets you can take advantage of the volatility in fact so that is one product which kind of navigates this situation quite wellpersonally are you an aggressive investor or a conservative investor or somewhere in betweenwe have to play to the needs of that fund which we are managing so for example if i am managing a small cap fund i will have to be slightly more aggressive than when i am managing a balanced advantage fund so again there is an inherent personality which everyone has but at the end of the day you are managing certain kind of fund mandates and you have to navigate and tailor make yourself little bit to align to the objectives of that fund i cannot be very aggressive in a balanced advantage fund in my equity allocation and i cannot be very conservative in a small cap i can be quality conscious i can have my parameters but i cannot be very conservative so that is where i would leave it