Asset Allocation Calculator
A simple rule-of-thumb allocator that balances growth and safety for your profile.
Frequently Asked Questions
What is the 110 minus age rule?
A classic guideline suggests holding roughly (110 − your age)% in stocks and the rest in bonds. This tool extends it with a risk-tolerance adjustment.
Should I follow this exactly?
No. It is a starting point. Adjust for your goals, income stability, and time horizon. Younger investors can usually take more equity risk.
What counts as alternatives?
Assets like real estate (REITs), commodities, private equity, or hedge-fund-like strategies that behave differently from stocks and bonds.
Worked Examples
A 30-year-old, risk 7
Stocks ≈ 87%, bonds ≈ 13%, expected return ≈ 5.8% — aggressive growth tilt.
A 60-year-old, risk 3
Stocks ≈ 53%, bonds ≈ 23%, cash+alt ≈ 24%, expected return ≈ 4.1% — capital-preservation tilt.
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⚠️ Disclaimer
Educational tool only. Outputs are illustrative estimates, not financial advice. Investing involves risk including loss of capital.