Asset Allocation Calculator - Optimize Portfolio Based on Risk Tolerance
Determine optimal asset allocation based on your age, risk tolerance, and investment goals. Get personalized portfolio recommendations across stocks, bonds, and alternative investments.
Your Profile
Conservative5Aggressive
Primary Investment Goal
Recommended Portfolio Allocation
65% / 30% / 5%
Stocks / Bonds / Alternatives
Stocks
65%
Bonds
30%
Alternatives
5%
Expected Annual Return
6.3%
Allocation Chart
Stocks: 65%
Bonds: 30%
Alternatives: 5%
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A common rule: subtract your age from 100 to get your stock percentage (e.g., at 30, consider 70% stocks). Adjust based on risk tolerance.
Don't put all stocks in one company or sector. Use broad index funds or ETFs for instant diversification across hundreds of companies.
Market movements will shift your allocation over time. Rebalance by selling high-performing assets and buying underperforming ones.
Begin with broad index funds or target-date funds. As you gain experience and assets, you can add more sophisticated investments.
FAQ
What is asset allocation and why is it important?+
How often should I rebalance my portfolio?+
What if I'm young but risk-averse?+
Should I include crypto in my portfolio?+