Asset Allocation Calculator
Get a recommended portfolio mix based on your profile
years
Range: 18 - 85
years
Range: 1 - 50
$
ConservativeAggressive
Recommended Profile
Moderate
Balanced approach
Expected Return
6%
Historical average
Risk Level
Medium
Recommended Allocation
Stocks (65%)$65,000.00
Bonds (30%)$30,000.00
Cash (5%)$5,000.00
Projected Value in 30 Years
$574,349.12
At 6% annual return
Total Growth
$474,349.12
474% total return
Common Allocation Strategies
| Strategy | Stocks | Bonds | Cash | Risk |
|---|---|---|---|---|
| Conservative | 30% | 50% | 20% | Low |
| Moderately Conservative | 40% | 45% | 15% | Low |
| Moderate | 60% | 30% | 10% | Medium |
| Moderately Aggressive | 75% | 20% | 5% | High |
| Aggressive | 90% | 10% | 0% | Very High |
Allocation by Life Stage
| Age Group | Stocks | Bonds | Rationale |
|---|---|---|---|
| 20s-30s | 80-90% | 10-20% | Long time horizon, can tolerate volatility |
| 40s | 60-70% | 30-40% | Balance growth with stability |
| 50s | 50-60% | 40-50% | Reduce risk as retirement approaches |
| 65+ | 30-50% | 50-70% | Focus on income and preservation |
Asset Allocation Tips
- Rebalance your portfolio annually or when allocations drift more than 5%
- Consider using low-cost index funds to implement your allocation
- Within stocks, diversify between US, international, and emerging markets
- Bond allocation can include government, corporate, and municipal bonds
- Your actual allocation should consider all accounts (401k, IRA, taxable)
- As you approach retirement, gradually shift to more conservative allocations
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