Asset Allocation Calculator | Investment Calculator

Create the mix that's right for you

With this calculator, you can figure out the mix of stocks, bonds and cash that work toward your long-term goals, based on your age, risk tolerance and other factors. It's a great place to start your portfolio analysis.

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By changing any value in the following form fields, calculated values are immediately provided for displayed output values. Click the view report button to see all of your results.

Asset Allocator

*indicates required.

Asset Allocation Inputs

Age:*This entry is required.Enter an amount between 20 and 90

Current assets:*This entry is required.Enter an amount between $0 and $100,000,000

Savings per year:*This entry is required.Enter an amount between $0 and $100,000

Marginal tax rate:*This entry is required.

Income required:*This entry is required.Enter an amount between 0% and 4%

Risk tolerance:*This entry is required.Enter an amount between 0 and 10

Economic outlook:*This entry is required.Enter an amount between 0 and 10

Asset Allocation by Investment Category Pie Chart: Please use the calculator's report to see detailed calculation results in tabular form.

Asset Allocation by Investment Category

Definitions

Current age

Your current age. This is by far the most important aspect of asset allocation. For most people the majority of their portfolio is for their retirement. The younger you are, the less likely you need this money any time soon. This allows you to invest more aggressively in stocks that generally have the best long-term returns. As you get older, it is advisable to move more of your investments to securities with less fluctuation such as cash and bonds. This can help ensure the money is available when you need it.

Current assets

This is the total value of your investment portfolio. Our asset allocator increases your stock exposure as your portfolio increases. Generally speaking, larger portfolios are less likely to leave individuals cash poor in a market downturn. This allows people with large portfolios to invest a bit more aggressively.

Savings per year

This is the amount you will be adding to your investments each year. Like portfolio size, the more you invest the more aggressive your investments should be.

Income required

This is the percentage of income you will need from your investments. Most people do not require any income from their investments until they retire.

Marginal tax rate

The tax rate you expect to pay on your investments.

Risk tolerance

On a scale of 1 to 10, your personal ability to tolerate your portfolio value fluctuating up and down. Many people overestimate their ability to tolerate risk. Unless you can handle a 20% decline in your portfolio during a stock market correction, you may wish to keep your risk tolerance at or below the mid-point.

Economic outlook

On a scale of 1 to 10, is your view of future economic growth and the overall health of the economy. The better your outlook, the more aggressive you can be with your investments.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

DISCLOSURES:

You should enter figures that are appropriate to your individual situation. The terms and conditions of products offered by institutions will differ and may affect the results of the calculator.

We encourage you to contact our Personal Service Representatives regarding your financial needs.