Asset Allocation by Age Calculator
Find your optimal investment mix based on age, risk tolerance, and retirement timeline. Compare multiple allocation strategies and see rebalancing recommendations.
Personal Information
Current Allocation
Allocation Alignment Score
Your portfolio is well-aligned with the recommended allocation for your age and risk profile.
Best Strategy
Age in Bonds
Exp. Return
6.41%
Years to Retirement
30
Current Return
6.31%
expected annual
Recommended Return
6.41%
Age in Bonds
Projected (Current)
$1,582,631
at retirement
Projected (Recommended)
$1,403,508
at retirement
Current Allocation
Your current portfolio mix
Total
$100
US Stocks
50%$50/yr
Int'l Stocks
10%$10/yr
Bonds
25%$25/yr
REITs
5%$5/yr
Cash
10%$10/yr
Recommended Allocation
Age in Bonds strategy
Total
$100
US Stocks
46%$46/yr
Int'l Stocks
16%$16/yr
Bonds
35%$35/yr
REITs
1%$1/yr
Cash
2%$2/yr
Projected Portfolio Growth by Strategy
Real (inflation-adjusted) balance over time
Strategy Comparison
Allocation breakdown for each strategy at your current age
| Strategy | US Stocks % | Int'l Stocks % | Bonds % | REITs % | Cash % | Exp. Return % |
|---|---|---|---|---|---|---|
| Age in Bonds | 46.00% | 16.00% | 35.00% | 1.00% | 2.00% | 6.41% |
| 110 Minus Age | 50.00% | 17.00% | 25.00% | 6.00% | 2.00% | 6.75% |
| 120 Minus Age | 57.00% | 19.00% | 15.00% | 7.00% | 2.00% | 7.13% |
| Target-Date Glide Path | 57.00% | 24.00% | 10.00% | 7.00% | 2.00% | 7.31% |
| Risk-Adjusted Custom | 48.00% | 21.00% | 19.00% | 9.00% | 3.00% | 6.89% |
Rebalancing Actions
Adjustments to match the Age in Bonds strategy
| Asset Class | Current Value | Recommended Value | Difference | Action |
|---|---|---|---|---|
| US Stocks | $125,000 | $115,000 | $-10,000 | Sell |
| Int'l Stocks | $25,000 | $40,000 | $15,000 | Buy |
| Bonds | $62,500 | $87,500 | $25,000 | Buy |
| REITs | $12,500 | $2,500 | $-10,000 | Sell |
| Cash / Money Market | $25,000 | $5,000 | $-20,000 | Sell |
Personalized Insights
Actionable recommendations based on your numbers
Well-Aligned Portfolio
Your current allocation closely matches the recommended Age in Bonds strategy. Minor adjustments may still optimize returns.
Consider International Diversification
International stocks at 10% may underweight global opportunities. Most advisors recommend 20-40% of stock allocation in international markets.