Asset Allocation Calculator

Determine target stock/bond allocation using the 120-minus-age rule, adjusted for risk tolerance.

Financial Disclaimer

This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.

Inputs

Your age

Risk tolerance

Years to retirement

Portfolio value ($)

Tab to move between fields

Results

Stock allocation (%)

85%

Bond allocation (%)15%

Stock amount ($)$85,000

Bond amount ($)$15,000

Expected return (%)9.1%

Expected volatility (%)14.35%

How to Use This Calculator

Enter your current age and select your risk tolerance on a scale from conservative to aggressive.
Input your years to retirement and your current total portfolio value.
Review the recommended Stock % and Bond % allocation based on age-adjusted and risk-adjusted formulas.
Check Expected Return % to see the projected annual return for your recommended allocation.
Use Expected Volatility % to understand the expected annual swings — higher volatility may be uncomfortable if you're risk-averse.

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