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Summary: Your app says your portfolio is 60-40. But one slice of your debt has a very different job from the rest, and counting the two the same way can leave you further from your target than you think. The cost shows up on exactly the kind of day you would least want it to.
Summary: Your app says your portfolio is 60-40. But one slice of your debt has a very different job from the rest, and counting the two the same way can leave you further from your target than you think. The cost shows up on exactly the kind of day you would least want it to. Apaar asked the same question four times during the last Fund Advisor Live, and we did not get to it. His emergency money sits in a debt fund. The app counts it as debt. So what is his real split between equity and debt? Take the emergency money
This article was originally published on October 12, 2026.
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