Asset Allocation Calculator — Find Your Target Stock/Bond Mix

Find your target stock, bond, and cash allocation based on age, risk tolerance, and years to retirement. See the dollar breakdown for each asset class and how the mix should shift as you approach retirement.

Quick answer: Asset allocation divides a portfolio across stocks, bonds, and cash based on age, risk tolerance, and years to retirement. The output is a target mix and dollar allocation, not a guarantee.

Stock Dollars

$60,000

Stock Dollars

$60,000

Illustrative Stock %

60.00%

Illustrative Bond %

35.00%

Illustrative Cash %

5.00%

Illustrative portfolio allocation

$100,000total

Stocks$60,000

Bonds$35,000

Cash$5,000

Total$100,000

Illustrative Stock %: 60.00%Illustrative Bond %: 35.00%Illustrative Cash %: 5.00%Stock Dollars: $60,000

Bond Dollars

$35,000

Cash Dollars

$5,000

Diagnostic

At age 40, your selected risk profile targets 60.00% stocks / 35.00% bonds / 5.00% cash.

This is a transparent rule-of-thumb scenario. Your capacity, goals, liabilities, taxes, and need for liquidity may support a different allocation.

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What to do next

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Your action plan

1
Set the target and timeline for this plan
Explore a transparent age-and-risk allocation rule as an educational starting point.
2
Pressure-test one alternate scenario before deciding
Assumptions change the answer, especially when rates, taxes, or timing matter.
3
Use the linked guide or product page for the next step
Turn the result into a prioritized action instead of treating it as a one-off number.

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This is an educational estimate, not tax, legal, investment, or lending advice. Tax rules, rates, and eligibility change and depend on your full situation. Confirm with a qualified professional or the provider before acting.

Calculator action path

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Frequently Asked Questions

Everything you need to know.

What does the Illustrative Asset Allocation Calculator show?

Explore a transparent age-and-risk allocation rule as an educational starting point, not a personalized portfolio recommendation.

How should I use the result?

Use the result as a planning and comparison aid. Review the assumptions, adjust your inputs, and compare the output with your actual options before acting.

What should I do after using this calculator?

Use the related links and next-action modules on the page to compare products, continue in Money Map, or review related guidance on SwitchWize.

Is the Asset Allocation Calculator — Find Your Target Stock/Bond Mix free to use?

Yes. SwitchWize calculators are free, and you do not need an account to run scenarios or view the result.

Does using the Asset Allocation Calculator — Find Your Target Stock/Bond Mix affect my credit score?

No. Using a calculator does not trigger a credit check. A credit impact can occur only if you apply directly with a lender, card issuer, or provider.

Are the results personalized financial advice?

No. Calculator outputs are educational estimates based on the inputs you enter. Review assumptions and confirm terms directly with providers before making a financial decision.

What should I do after seeing the result?

Use the recommendation module on this page to compare brokers, or run Money Map to compare this investing & retirement decision with your other opportunities.

How does SwitchWize choose related offers?

Related offers are matched by the calculator surface (brokerage) and ranked using SwitchWize data such as rate, fees, trust signals, product fit, and switching friction. Paid relationships do not change organic ranking order.

How fresh are the rates and offers shown?

Rate and offer data is reviewed on a recurring cadence and every offer module shows review context or links to the methodology and disclosure pages.

Where can I see the ranking methodology?

The SwitchWize methodology page explains how rate freshness, editorial review, affiliate disclosure, and category ranking factors work.

Can Money Map use this result?

Yes. Money Map is the broader diagnostic path: it compares savings, mortgage, cards, and debt so you can see whether this calculator result is your highest-impact next move.