Asset Allocation Planner

1. Enter your current age.
2. Enter total investable assets (retirement plus taxable brokerage you intend to invest — usually excluding your home).
3. Choose risk tolerance: conservative, moderate, or aggressive.
4. Enter your investment horizon in years until you expect to need the money.
5. Enter emergency-fund months of expenses held in cash reserves.
6. Enter planned monthly contributions to see a contribution-boosted projection.

The planner starts from a risk-tolerance profile that maps to stock/bond/real-asset/cash weights and a blended return assumption. It may nudge commentary when emergency reserves look thin relative to common 3–6 month guidance. Projected values compound investable assets (and optionally monthly additions) at the blended return for a long illustration window. Age and horizon contextualize whether a stock-heavy mix is even plausible — they do not replace judgment about sequence risk near retirement.

Base mix = profile(risk tolerance)
Blended return = profile return assumption
Projected value ≈ compound(assets[, monthly contributions], blended return, years)

A 35-year-old with $150,000 investable, moderate risk, a 25-year horizon, six months of emergency reserves, and $1,000 monthly contributions lands on a balanced-leaning stock-heavy mix in the moderate profile (about 60% stocks / 30% bonds in the model’s core split, plus smaller real-asset and cash sleeves). The projection cards illustrate how that mix might grow over a multi-decade window at the profile’s blended return — useful for goal framing, not a promised balance. Shift the same person to conservative and stock exposure falls while bond/cash weight rises; aggressive does the opposite. Compare three mental age bands: someone age 25 with a long horizon can usually justify more equity volatility than someone age 60 with a five-year horizon, even at the same “moderate” label — shorten horizon or lower risk if sleep-at-night risk is the binding constraint.

Recommended allocation

Suggested percentage mix across the model’s asset sleeves for your selected risk profile (and related notes).

Projected value / With monthly adds

Hypothetical future wealth from compounding assets alone versus assets plus contributions at the blended return.

Blended return

Planning rate associated with the selected risk mix — an assumption, not a forecast.

Emergency fund status

Whether your stated months of reserves look thin, adequate, or strong versus common rules of thumb before taking market risk.

• Taking maximum stock exposure without an emergency fund, then selling in a panic.
• Using “110 minus age” blindly without adjusting for pension income, real-estate concentration, or risk capacity.
• Chasing last year’s best-performing sleeve and calling it a permanent allocation.
• Ignoring that projections use constant returns — real markets zigzag.
• Treating the pie chart as advice to buy specific products or funds.

Risk profiles use fixed educational weights and blended returns. Projections ignore taxes, fees, inflation on spending needs, and sequence-of-returns risk. Emergency-fund scoring is heuristic. Real assets are a simplified sleeve, not a property-by-property model. Not a recommendation to buy or sell securities.

• SEC Investor.gov — Asset allocation
• FINRA — Asset allocation and diversification
• AlgoFinanceLab — Asset planning guides

Dig deeper with our asset planning and long-term wealth guide, or try Coast FIRE Calculator and Passive Income Tracker.

Estimates only — not financial, lending, or investment advice. Decisions should be based on your full situation and professional guidance where appropriate.