Growth, inflation and asset mix
Asset Allocation Calculator by Risk Tolerance
Find a sample mix of U.S. stocks, international stocks, bonds and cash for your risk tolerance, and see a range of possible outcomes over your time horizon.
Suggested Mix and Possible Outcomes
Not a ForecastHow This Calculator Works
This calculator turns your risk tolerance and time horizon into a sample split of your portfolio between U.S. stocks, international stocks, bonds and cash. It shows the dollar amount for each slice, which is handy when you rebalance.
It also shows three possible values for your portfolio at the end of your horizon: a poor market (10th percentile), a middle outcome (median) and a good market (90th percentile). They come from a log-normal model of yearly returns and give a wide range of possible outcomes, not a forecast. Real markets can land above or below either end.
Frequently Asked Questions
Does asset allocation matter more than picking stocks?
For most investors, yes. A well-known study by Brinson, Hood and Beebower found that over 90% of the ups and downs in a portfolio’s returns came from its mix of stocks, bonds and cash, not from which individual securities it held.
How often should I rebalance my portfolio?
A common rule is to rebalance once a year, or sooner if an asset class drifts more than 5 percentage points from its target. Advisors differ on the details, so treat both as rules of thumb.
Related Calculators
All Investing Calculators →Investment Calculator
Estimate what your investments could be worth after fund fees and inflation, from your starting balance, contributions, expected return and years.
Compound Interest
See how daily, monthly, quarterly or annual compounding grows your savings, and how much of the balance is deposits versus interest.
Inflation Calculator
Enter an amount, the years and a yearly inflation rate to see how much buying power cash loses and what things could cost later.
Income Tax Calculator
Estimate your 2026 federal, FICA, state and local income tax, plus your marginal bracket and effective tax rate.
Paycheck Calculator
See your take-home pay per paycheck after federal and state tax, FICA, 401(k), HSA and health insurance, from weekly to monthly pay periods.
Retirement Calculator
See if your savings will last. Enter your age, savings, contributions and Social Security to project your nest egg and the monthly income it can support.