Work out asset allocation by age instantly with clear inputs, formula shown and shareable results.
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.
Age-based allocation
Equity % = 110 - age, adjusted for risk profile and capped between 10% and 95%
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.
Longer lifespans and long retirements mean the older formulas were too conservative for most investors.
No. Job security, other assets and how you behaved in the last market fall matter more than the arithmetic.