Asset Allocation Calculator
Get a simple age-based mix of stocks, bonds and cash for your risk tolerance.
About the Asset Allocation Calculator
A common rule of thumb puts 100, 110 or 120 minus your age in stocks, depending on how much volatility you can stomach, with the rest in bonds; target-date funds follow a similar 'glide path'. It's a starting point: your goals, other income (like a pension), time horizon and ability to hold through a 30–50% stock market fall matter more than age alone.
The formula
Stocks % = (100, 110 or 120) − age, kept between 10% and 95%
Worked example
Example: Suggested mix = 67% stocks / 27% bonds
- Inputs: Your age: 39; Risk tolerance: Moderate; Portfolio value (optional): $110,000; Cash reserve: 6%.
- Formula: Stocks % = (100, 110 or 120) − age, kept between 10% and 95%
- Result: Suggested mix = 67% stocks / 27% bonds
Things to keep in mind
- General education, not personalised investment advice.
Questions people ask
Why own bonds?
They usually fall less than stocks in crashes, smoothing returns.
Should I rebalance?
Yes, once a year or when the mix drifts 5+ points.