Answer a few questions for a starting stock-and-bond split that fits you.
A risk tolerance calculator suggests a starting stock-and-bond allocation based on your age, when you'll need the money, and your comfort with market swings.
The mix between stocks and bonds drives most of a portfolio's risk and long-run return, more than picking individual investments. Getting it roughly right for your situation is the highest-leverage choice, which is why a simple framework that blends age, time horizon, and temperament is a useful starting point.
A common baseline holds about 110 minus your age in stocks, then adjusts: a longer time horizon can support more stocks (you can ride out downturns), while low comfort with volatility argues for fewer. The result is a starting point to refine, not personalized advice, your full financial picture and goals should shape the final mix.
A common baseline is about 110 minus your age in stocks, adjusted for your time horizon and comfort with risk. Longer horizons support more stocks.
Your split between stocks and bonds sets most of how much a portfolio can swing and grow, which is why matching that mix to your comfort with losses matters more than picking any single fund. This tool suggests a starting allocation from the risk level you choose.
No, it's a general starting framework. Your goals, other assets, and full situation should refine it, ideally with a professional.
See the exact formula and a worked example on our methodology page.