Portfolio Allocation Tool

Asset allocation is the strategy of dividing investments across different asset categories — stocks, bonds, real estate, cash — to balance risk and reward according to your goals and time horizon.

A common rule of thumb: subtract your age from 110 to get your stock percentage (e.g., at age 30, hold 80% stocks, 20% bonds). Younger investors can take more risk; those near retirement usually shift toward bonds.

Most financial advisors recommend rebalancing once or twice per year, or whenever an asset class drifts more than 5–10% from its target allocation. Rebalancing too frequently can trigger taxes and fees.