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Plus tier · advanced calculator

Asset allocation is a Plus-tier tool. Try the math here for free; saving scenarios, AI dispatches against your portfolio, and exports unlock on a paid plan.

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§ Calculator · Investment

Asset allocation

What this is

What mix of stocks / bonds / cash should you hold?

A rule-of-thumb glide path: as you age, dial down equity (stocks) and dial up bonds. Risk tolerance shifts the curve. Re-balance when any asset class drifts more than 5% from target.

  • ·Aggressive: 110 − age in stocks. e.g. age 40 → 70% equity, 30% bonds/cash.
  • ·Moderate: 100 − age in stocks. e.g. age 40 → 60% equity.
  • ·Conservative: 90 − age. e.g. age 40 → 50% equity.
  • ·A defined-benefit pension acts like a bond — reduces your need for actual bonds in the portfolio.

Target allocation

Equity target

58%

Bond target

32%

Cash target

11%

Rebalance moves

  • equitySell $42,500
  • bondBuy $28,750
  • cashBuy $13,750

Educational. Not financial advice. Liability matching (DB pension), tax-shelter location, and behavioural risk tolerance all matter beyond age. Talk to a CFP for an account-specific recommendation.