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Asset Allocation By Age Calculator

Work out asset allocation by age instantly with clear inputs, formula shown and shareable results.

About Asset Allocation By Age Calculator

Age-based rules of thumb subtract your age from a constant to set the equity share, on the logic that a shorter horizon needs less volatility. Adjusting for risk profile matters because the ability to stay invested varies more than age does.

Formula

Age-based allocation

Equity % = 110 - age, adjusted for risk profile and capped between 10% and 95%

Worked example

With the default values below, Asset Allocation By Age Calculator returns Suggested Equity Allocation of 72.00%. Change any input above and every figure here is recalculated in your browser.

Inputs used

Your Ageaccepts 18–90
38
Portfolio Valueminimum 0
6,000,000
Risk Profileone of Conservative, Balanced, Aggressive
Balanced

Results

Suggested Equity Allocation
72.00%
Amount In Equity
$4,320,000.00
Amount In Fixed Income
$1,680,000.00
Suggested Fixed Income Allocation
28.00%

Step by step

  1. 1Values used
  2. 2Age-based allocation
  3. 3Suggested Equity Allocation= 72.00
  4. 4Amount In Equity= 4,320,000.00
  5. 5Amount In Fixed Income= 1,680,000.00
  6. 6Suggested Fixed Income Allocation= 28.00

Assumptions and limits

  • The result is derived only from the 3 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, tax, fees or charges or compounding frequency into account.
  • Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Figures are estimates for planning only. Prices, returns, inflation and personal circumstances all change. This is not financial or tax advice — speak to a qualified adviser before making decisions.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Figures are estimates for planning only. Prices, returns, inflation and personal circumstances all change. This is not financial or tax advice — speak to a qualified adviser before making decisions.

Frequently Asked Questions

Why 110 rather than 100?

Longer lifespans and long retirements mean the older formulas were too conservative for most investors.

Should the rule override personal circumstances?

No. Job security, other assets and how you behaved in the last market fall matter more than the arithmetic.

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