Kumari, Riya, et al. “ESG-Informed Portfolio Allocation and Risk–Return Analysis: A Python-Based Comparison of 3:2:1 And 60:40 Strategies For Retail Investors in India”. International Journal of Artificial Intelligence and Machine Learning, vol. 6, no. 9s, Sept. 2026, pp. 1069-82, doi:10.51483/IJAIML.6.9s.2026.1069-1082.