Take a risk quiz or use age-based allocation — see dollar breakdown and 10-year projected growth.
Expected returns are long-term historical averages: Stocks ~9%, Bonds ~4%, Cash ~2%, Alternatives ~6%. Past performance does not guarantee future results. This is educational only — not investment advice.
Asset allocation spreads a portfolio across stocks, bonds, cash, and alternatives so that expected growth is balanced against volatility. The calculator uses long-run historical averages — roughly 9% for stocks, 4% for bonds, 2% for cash, 6% for alternatives — so the weighted expected return is just the share-weighted average of those numbers. For the Growth profile (75% stocks, 20% bonds, 5% alternatives) that works out to 7.85%/yr, which compounds to roughly $213,000 on $100,000 over 10 years. The trade-off is the flip side: higher expected return rides on deeper drawdowns — a 90% stock portfolio can fall ~40% in a bad year while a 30% stock portfolio falls roughly half as much.
Left: the risk–return trade-off — each step from Conservative to Aggressive buys more expected return with more volatility. Right: the Moderate target split (55% stocks, 35% bonds, 5% cash, 5% alternatives), the same four-way mix every profile uses.
Weights come from your allocation sliders; asset-class returns use long-run historical averages (stocks 9%, bonds 4%, cash 2%, alternatives 6%). The projection compounds this weighted rate annually.
Amara is 35 with $100,000 to invest. With no quiz taken, the age-based rule (110 − 35 = 75) lands on the Growth profile: 75% stocks, 20% bonds, 0% cash, and 5% alternatives.
Take a risk tolerance quiz or use age-based allocation. Dollar breakdown across stocks, bonds, cash, alternatives. 30-year projection. Free.
The Asset Allocation Calculator suggests a portfolio mix across four asset classes, stocks, bonds, cash, and alternatives such as REITs and gold, and converts every percentage into dollars. It recommends a mix two ways. Take the four-question risk tolerance quiz, covering your reaction to a 20% portfolio drop, your time horizon, your primary goal, and your experience level, and your score maps to one of four profiles: Conservative at 30% stocks, Moderate at 55%, Growth at 75%, or Aggressive at 90%. Or skip the quiz and let the age slider drive an age-based default. A 10-year growth projection then compounds a weighted return built from long-term averages of roughly 9% stocks, 4% bonds, 2% cash, and 6% alternatives.
Investors opening a first brokerage or retirement account use it to avoid parking everything in cash or a single hot stock. Workers auto-enrolled in a 401(k) facing a confusing fund menu check what a sensible mix looks like at their age and risk level. DIY investors who loaded up on aggressive positions during a bull market get a reality check from the 20%-drop question. Pre-retirees watch the recommended mix shift as the age slider climbs toward retirement. Anyone rebalancing after a strong year models target shifts with the manual sliders before selling anything. Treat it as structured education rather than advice: the projections use historical averages and ignore taxes, fees, and personal circumstances, so it is a starting point for a plan, not the plan.
(1) Set your age on the 18-90 slider and enter your portfolio value, with $100,000 loaded by default. (2) Answer the four quiz questions, each scoring 1 to 4. A total of 5 or less selects Conservative, up to 9 Moderate, up to 13 Growth, and anything higher Aggressive. If you skip the quiz, the age input produces a default profile computed from 110 minus your age as a stock share, clamped between 25% and 90%. (3) Explore the results: a stacked bar shows the recommended percentages, the dollar panel converts each class to currency, the headline compounds a weighted return over ten years, and four manual sliders let you override any mix while keeping the total at exactly 100%.
It is the classic shortcut for age-based stock allocation: hold roughly 110 minus your age in stocks and the rest in bonds and cash. At 35 that implies about 75% stocks; at 65 it implies 45%, a gentler mix for money you will soon spend. The reasoning is time: younger investors have decades to recover from crashes and can hold more growth assets, while approaching retirees prioritize stability. This calculator applies the rule with guardrails, clamping the computed stock share between 25% and 90% so extreme ages still produce sensible portfolios, and it always lets the risk quiz override the age default, because risk capacity is personal, not purely chronological.
It asks 7 questions about your time horizon, income stability, investment experience, reaction to market downturns, and financial goals. Based on your answers, it classifies you as conservative, moderate, or aggressive and recommends a target allocation. For example, a moderate investor with 20+ years to retirement might get 70% stocks, 25% bonds, 5% cash.
Yes. The age-based rule (110 minus your age = stock percentage) provides a quick starting point. A 35-year-old gets 75% stocks, 20% bonds, 5% alternatives. The tool also shows a dollar breakdown based on your total portfolio size and projects growth over 10, 20, and 30 years using historical return averages.
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