Not sure how much of your portfolio should be in stocks versus bonds? Use this asset allocation calculator to find a balanced mix based on your personal risk tolerance and investment goals. A smart allocation can help you to grow wealth while managing risk over time.

Note: This calculator is for informational purposes only and doesn’t constitute financial advice.

What is asset allocation?

Asset allocation is how you divide your investments among different asset types. The right mix helps you to manage risk and stay on track toward your financial goals.

• Stocks. Higher growth potential, higher risk.
• Bonds. Steadier income, lower risk.
• Cash. Liquidity and stability for short-term needs.
• Alternative investments. These include assets like real estate, commodities, private equity and crypto. These can help diversify your portfolio and reduce overall volatility, but they often carry higher risk, lower liquidity or limited access.

Frequently asked questions

• How often should I rebalance my portfolio?

  Many investors review their allocation annually or when market movements shift percentages significantly.

• Does age affect asset allocation?

  Generally yes — younger investors often hold more in stocks, while older investors lean toward bonds and cash.

• Should I include alternative investments?

  It depends on your risk tolerance and personal investment goals. Alternatives such as real estate, commodities and crypto can diversify your portfolio and reduce overall volatility, but they also carry higher risk and are generally less liquid.