Asset Allocation by Age Calculator
Get a starting stock/bond mix for your age and risk tolerance using the classic 100/110/120-minus-age rules — and see it in dollars.
For information and education only — not financial advice. Results are estimates based on the numbers you enter; check important decisions with a qualified professional.
How to use
- 1Enter your age and choose a risk level.
- 2Optionally enter your portfolio size to see the split in dollars.
How it's calculated
Stocks % = (100, 110 or 120) − age for conservative, moderate or aggressive investors, capped between 10% and 100%. The rest is bonds and cash.
Frequently asked questions
Why hold fewer stocks as I age?
You have less time to recover from market drops before you need the money, so more stable assets reduce the risk of selling low.
Is this rule right for me?
It's a simple starting point. Target-date funds and advisers adjust for your goals, other income like pensions, and how you react to losses.
How often should I rebalance?
Once a year, or when an asset class drifts more than about 5 percentage points from its target.