Portfolio Allocation Calculator
Get target stock/bond/cash allocation based on age and risk tolerance.
By Konstantin Iakovlev · Updated September 2026 · Source: SEC
Stocks
75%
Bonds
20%
Cash
5%
Target by Age
| Age 35 | 75% stocks / 20% bonds / 5% cash |
| Age 45 | 65% stocks / 30% bonds / 5% cash |
| Age 55 | 55% stocks / 40% bonds / 5% cash |
| Age 65 | 45% stocks / 50% bonds / 5% cash |
Use the Portfolio Allocation Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
How It Works
How much of your money belongs in stocks versus bonds and cash comes down to two things: how old you are and how much risk you can stomach. Settling on a target mix in advance gives you a steadier footing when markets swing and interest rates move.
Initial stock weighting starts from a modified '110 Minus Age' rule, then bends to fit your risk profile. The base is kept between 20% and 90%. A Moderate setting applies it as written, an Aggressive profile adds 10 percentage points to the stock share, and a Conservative one subtracts 15. Cash gets 5% and bonds take the rest (at least 5%), so bonds carry the stability and income role while the small cash slice covers liquidity; only when stocks exceed 90% does the cash slice shrink.
These figures are targets, not commandments, and shifting markets or a change in personal circumstances may call for adjustment. Letting an allocation drift untouched is one of the more costly habits an investor can fall into; periodic rebalancing after major market moves or life events keeps the mix on track. Your goals and time horizon also bear directly on whether any given allocation actually suits you.
Example: Sarah's Portfolio Plan
- 1 Sarah, aged 35, wants to set a target mix for her investment portfolio. She identifies her risk tolerance as 'Moderate'.
- 2 Base stock share: 110 − 35 = 75%, inside the 20%-90% range, and a Moderate profile leaves it at 75%. Cash gets 5% and bonds the remaining 20%.
- 3 Sarah's target allocation is 75% stocks, 20% bonds and 5% cash. Choosing Conservative would give 60% stocks, 35% bonds and 5% cash; Aggressive would give 85%, 10% and 5%.
- 4 This allocation suggests a growth-oriented portfolio with a significant equity exposure, balanced by a substantial bond component for stability and a small cash reserve for liquidity. Sarah should review this allocation periodically and rebalance her portfolio to maintain these target percentages as market values fluctuate.
Source: SEC · Last updated: September 2026
Frequently Asked Questions
What is the best portfolio allocation for my age?
Should I include international stocks in my portfolio?
How much of my portfolio should be in cash?
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