Asset Allocation by Age Calculator
Find your ideal stock-to-bond split using classic age-based rules of thumb — and see how your risk tolerance adjusts the mix.
| Age Range | Conservative | Moderate | Aggressive | Bonds/Fixed |
|---|---|---|---|---|
| 20s | 70–75% | 80–85% | 90–95% | 5–15% |
| 30s | 65–70% | 75–80% | 85–90% | 10–20% |
| 40s | 55–65% | 65–75% | 75–85% | 15–30% |
| 50s | 45–55% | 55–65% | 65–75% | 25–40% |
| 60s | 35–45% | 45–55% | 55–65% | 35–55% |
| 70s+ | 25–35% | 35–45% | 45–55% | 45–65% |
The Rules Explained
The "100 minus age" rule dates to an era of lower life expectancy and higher bond yields. With people living into their 80s and 90s, many advisors now use 110 or 120 minus age to keep more in equities longer — giving portfolios a better chance to outpace inflation.
Risk adjustments: Conservative investors shift 5–10% from stocks to bonds/cash. Aggressive investors do the opposite. Your investment horizon also matters — shorter timelines warrant more bonds regardless of age, since you have less time to recover from a market dip.
International exposure: A common split within the stock portion is 70% domestic / 30% international, providing geographic diversification.