Asset Allocation Calculator
Find the ideal investment mix of stocks, bonds, and cash based on your age and risk tolerance.
Recommended Allocation
Asset allocation is how you divide your investments among different asset classes (stocks, bonds, cash).
Classic Rule of Thumb:
Stock Percentage = 110 - Your Age
(Some use 100 or 120 instead of 110, depending on risk tolerance.)
Example for a 30-year-old:
- Stocks: 110 - 30 = 80%
- Bonds: 15%
- Cash: 5%
Risk tolerance adjustments:
- Aggressive: Add 10–20% more stocks
- Moderate: Use the standard formula
- Conservative: Subtract 10–20% from stocks, add to bonds
General guidelines:
| Age | Aggressive | Moderate | Conservative |
|---|---|---|---|
| 25 | 95/5/0 | 85/10/5 | 75/20/5 |
| 40 | 80/15/5 | 70/25/5 | 60/30/10 |
| 55 | 65/25/10 | 55/35/10 | 45/40/15 |
| 65 | 55/30/15 | 45/40/15 | 35/45/20 |
These are starting points. Your actual allocation should reflect your personal goals, timeline, and comfort with risk.