Asset allocation by age
Get a starting mix of stocks and bonds based on your age and how much risk you can live with.
A starting mix
A common rule of thumb: 110 minus your age in stocks. It shifts gradually toward bonds as you get older, so a crash close to retirement hurts less.
A rule of thumb, not advice. Target-date funds follow a similar glide path automatically.
How this calculator works
A classic rule of thumb holds about 110 minus your age in stocks, adjusted for how much risk you can live with, with the rest in bonds.
As you age, the mix shifts toward bonds so a crash close to retirement does less damage.
Stocks % = (100, 110 or 120) − age, kept between 20% and 95%Common questions
Is this advice?
No. It is a starting point. Your goals, other income and nerves matter as much as your age.
What is a target-date fund?
A single fund that holds a mix like this and shifts it automatically as the target year approaches.
How often should I rebalance?
Once a year, or when any part drifts more than about 5 percentage points from target.
FatDCA calculators are educational estimates, not investment, tax or legal advice. Results depend on the assumptions you enter, and past returns do not predict future returns.
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