Finder makes money from featured partners, but editorial opinions are our own.
Advertiser disclosure
Asset Allocation Calculator
Find your ideal investment mix based on your risk tolerance and goals.
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.
Asset allocation strategy calculator
Suggest a diversified mix (stocks, bonds, cash, alternatives) based on your amount, horizon, risk tolerance and goal. You can optionally override expected returns and enter your current portfolio to get a rebalance plan.
Results
Suggested allocation
--
Expected portfolio return (weighted)
--
Status
--| Asset | Target % | Target $ | Current $ | Buy / (Sell) |
|---|---|---|---|---|
| Stocks | -- | -- | -- | -- |
| Bonds | -- | -- | -- | -- |
| Cash | -- | -- | -- | -- |
| Alternatives | -- | -- | -- | -- |
Fill inputs and hit Calculate.
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.
Dive deeper: How to diversify your portfolio
Frequently asked questions
More resources on Finder
Ask a question
More guides on Finder
-
Finder $200 eToro Promotion – Terms and Conditions – July 2026
Finder’s eToro Visa Gift Card Reward Promotion (“Promotion”)
-
Roth IRA vs. Mutual Fund
A Roth IRA is a retirement account, while a mutual fund is an investment you can hold inside that account.
-
Investing in Index Funds for Your Kids: A Guide for Parents
Index funds are a low-cost and reliable way to save for your child’s future. See a step-by-step guide on how to invest in index funds for kids.
-
iTrustCapital Review 2026: Legit or Scam? Full Breakdown
We break down iTrustCapital’s crypto IRA fees, security and legitimacy for 2026.
-
Most popular stocks and crypto in America
The most popular stocks, Finder ranked stocks by the largest daily volume. Stock volume refers to the number of shares traded in a stock.
-
Investing in cocoa: A how-to guide
For those interested in investing in cocoa, here’s a guide to the different investment options at your disposal, the benefits of investing in cocoa and the possible risks.
-
How to invest in natural gas
Learn how to invest in natural gas, including its historical performance as an investment, risks and benefits.
-
How to invest in coffee
This highly traded commodity can help diversify your portfolio. But consider unpredictable risks before investing in this daily bean.
-
How to invest in sugar
Look into four ways to sweeten your portfolio with this commodity — including markets, risks and six factors that drive cost.
-
How to Invest in Oil
Learn about the four options available to buy and sell this slippery commodity — as well as pros and cons.