Asset Allocation Calculator

Use our free asset allocation calculator to get personalized recommendations for dividing your portfolio among stocks, bonds, and cash based on your age and risk tolerance.

Financial

Currency

Total Portfolio Value

Your Age

years

Risk Tolerance

Formula

Asset allocation is the process of dividing your investment portfolio among different asset classes like stocks, bonds, and cash. This calculator provides personalized recommendations based on your age and risk tolerance.

Stocks % â‰ˆ 100 - Age (adjusted for risk tolerance)

Percentage: The percentage value you want to apply

Number: The original number or value

Result: The calculated result

How It Works

1Enter your total portfolio value.
2Enter your age.
3Select your risk tolerance (conservative, moderate, or aggressive).
4See recommended percentages and dollar amounts for each asset class.

Examples

30 years old, moderate risk, $100k portfolio

1.Stocks: 100 - 30 - 5 = 65% ($65,000)
2.Bonds: 30% ($30,000)
3.Cash: 5% ($5,000)

Result: 65% Stocks

Frequently Asked Questions

The 110 minus age rule suggests that the percentage of stocks in your portfolio should equal 110 minus your age. The remainder goes to bonds and cash.

Conservative investors hold more bonds and cash for stability. Aggressive investors hold more stocks for growth potential. Moderate is a balanced approach.

Younger investors have more time to recover from market downturns, so they can afford higher stock allocations. Older investors need more stable assets to preserve capital.

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Asset Allocation Guide

CalculateMe Team

Last updated: 2026-07-16

Frequently Asked Questions

The 110 minus age rule suggests that the percentage of stocks in your portfolio should equal 110 minus your age. The remainder goes to bonds and cash.

Conservative investors hold more bonds and cash for stability. Aggressive investors hold more stocks for growth potential. Moderate is a balanced approach.

Younger investors have more time to recover from market downturns, so they can afford higher stock allocations. Older investors need more stable assets to preserve capital.

Asset Allocation Calculator

Formula

How It Works

Examples

30 years old, moderate risk, $100k portfolio

Frequently Asked Questions

What is the 110 minus age rule?

How does risk tolerance affect allocation?

Why does age matter for allocation?

Related Calculators

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Asset Allocation Calculator

Formula

How It Works

Examples

30 years old, moderate risk, $100k portfolio

Frequently Asked Questions

What is the 110 minus age rule?

How does risk tolerance affect allocation?

Why does age matter for allocation?

Related Calculators

Related Articles