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Asset Allocation Calculator

Portfolio Mix by Risk

Investment Profile

$
yrs

Risk Tolerance

Rule of 110

Baseline stocks use 110 minus your age, then adjust by risk profile. Bonds fill the remaining portfolio after cash and alternatives.

Portfolio Guide

Build a portfolio mix that matches your horizon

Asset allocation is the decision that usually drives most portfolio behavior. This calculator turns age and risk tolerance into a target mix, then shows how much capital belongs in each bucket.

"A good allocation is not the one with the highest forecast. It is the one you can keep through a bad year."

Start With Time

The 110-minus-age rule is a starting point for equity exposure, not a final answer. Investor.gov emphasizes time horizon and risk tolerance when choosing a mix.

Respect Risk

Aggressive settings increase stocks and alternatives. Conservative settings reserve more space for bonds and cash.

Rebalance Slowly

If your current portfolio is far from target, consider moving in stages. Investor.gov describes rebalancing as a way to bring risk back toward the original plan.

Frequently Asked Questions

  • It starts with the rule of 110, subtracts your age to estimate stock exposure, then adjusts the mix for conservative, moderate, or aggressive risk profiles. For background, Investor.gov explains asset allocation through time horizon and risk tolerance.
  • The model splits the portfolio into stocks, bonds, alternatives, and cash. Each bucket receives a target percentage and dollar amount.
  • Age is used as a simple proxy for time horizon. A longer horizon can usually tolerate more stock volatility, while a shorter horizon often needs more bonds and cash.
  • No. The one-year projection uses fixed illustrative assumptions for each asset class. Real returns can be higher, lower, or negative.
  • Use the result as a planning benchmark, not personal financial advice. Before rebalancing, compare taxes, fees, goals, account type, and your loss tolerance with guidance from FINRA.