Planner
Asset Allocation Planner
Turn time horizon, risk comfort, and upcoming cash needs into a practical stock-bond-cash mix, then compare that target with the allocation you hold today.
Profile
Allocation profile
Start with the portfolio job, then compare the suggested mix with what you own now.
Use this when the portfolio is mainly meant to support long-term retirement income.
You want growth, but do not want the portfolio to lean harder into stock risk than necessary.
The portfolio is still in accumulation mode with no expected need to tap it in the next five years.
How to use this allocation planner
Use this as a portfolio review checkpoint. The goal is to make the target mix and the next rebalance question easier to see.
Goal
Name the job
The same portfolio can need a different mix depending on whether it is for retirement, long-term wealth building, or a specific future goal.
Risk
Match risk to time
The suggested mix starts with the timeline, then adjusts for risk comfort and whether withdrawals may begin soon.
Drift
Compare what you hold
The planner compares the target range with your current stock, bond, and cash mix so the first review step is easier to see.
1
Enter the portfolio purpose
Use the goal type and time horizon to describe what this money is supposed to do, not what markets have done recently.
2
Add your current mix
Enter the broad stock, bond, and cash percentages. The comparison is clearest when the three numbers add up to 100%.
3
Use the result as a review map
Read the target mix, check the drift, then decide whether rebalancing belongs on the next planning agenda.
About this tool
What this helps you do
This planner turns a goal, time horizon, risk preference, and current allocation into a practical stock-bond-cash review framework.
How to interpret results
Treat the target mix as a planning range, not a command. A useful allocation should fit the job of the money and be durable enough to revisit calmly.
Rebalancing context
The drift view highlights where your current mix differs from the target so review conversations can start with the largest gap.
Limitations
This model does not choose securities, optimize taxes, forecast returns, evaluate account location, or replace personalized investment advice.
Keep learning
Allocation notes
This planner uses broad asset classes only: stocks, bonds, and cash. Before acting, review the full portfolio, account types, taxes, investment costs, and personal risk capacity with a qualified professional.