Asset Allocation by Age Calculator
Apply the classic “110 minus your age” rule of thumb to split a portfolio between stocks and bonds, with the dollar amounts for each.
How it works
Stock % = rule number − age (clamped to 0–100) · Bond % = 100 − stock %
The age-based rule of thumb gradually shifts a portfolio from stocks toward bonds as you get older, on the logic that a shorter time horizon leaves less room to recover from a market drop. The classic version was “100 minus age”; because people now live and invest longer, “110” or even “120 minus age” have become common to keep more growth exposure. It is a starting point, not a prescription — your risk tolerance, other income and goals should adjust it.
Worked example
A 35-year-old using “110 − age” gets 110 − 35 = 75% stocks and 25% bonds. On a $100,000 portfolio that is $75,000 in stocks and $25,000 in bonds. The more aggressive “120 − age” would push stocks to 85%.
Frequently asked questions
Which rule should I pick?
A longer horizon and higher risk tolerance favor the “120 − age” variant with more stocks; nearing or in retirement favors the conservative “100 − age”. The balanced “110 − age” is a reasonable middle default for many investors.
Is a simple age rule good enough?
It is a sensible starting frame, but it ignores your job stability, pensions, other assets and how you actually react to losses. Treat the output as a baseline to adjust, then use rebalance bands to keep the mix on track.
What counts as “bonds” here?
The bond slice stands for lower-volatility, income-oriented holdings — bond funds, high-grade bonds, sometimes cash. The stock slice covers equities and equity funds. The rule is about the growth-versus-stability split, not exact instruments.
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Educational estimate, not investment advice. Markets involve risk of loss and future returns are never guaranteed.