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Asset Allocator

The Asset Allocator is designed to help you create a balanced portfolio of investments. Your age, ability to tolerate risk, and several other factors are used to calculate a desirable mix of stocks, bonds and cash. The calculated asset allocation is a great place to start your analysis in building a balanced portfolio.

Asset Allocation Results

Your Profile

Age AGE

Current assets PORTFOLIO

Savings per year YEARLY_SAVINGS

Income required INCOME_NEEDED

Risk tolerance VOLATILITY_TOLERANCE (scale of 0 to 10)

Economic outlook ECONOMIC_OUTLOOK (scale of 0 to 10)

Suggested Asset Allocation

Large cap stock LARGE_CAP LARGE_CAP_DOLLARS

Mid cap stock MID_CAP MID_CAP_DOLLARS

Small cap stock SMALL_CAP SMALL_CAP_DOLLARS

Foreign stock FOREIGN_STOCK FOREIGN_STOCK_DOLLARS

Bonds BOND_INCOME BOND_INCOME_DOLLARS

Cash CASH CASH_DOLLARS

Information and interactive calculators are made available to you as self-help tools for your independent use. We can not and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

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Definitions

Age:	Your current age. This is by far the most important aspect of asset allocation. For most people the majority of their portfolio is for their retirement. The younger you are, the less likely your are to need this money any time soon. This allows you to invest more aggressively in stocks which generally have the best long term returns. As you get older, it is advisable to move more of your investments to securities with less fluctuation such as cash and bonds. This can help insure the money is available when you need it.
Current assets:	This is the total value of your investment portfolio. Our asset allocation increases your stock exposure as your portfolio increases. Generally speaking, larger portfolios are less likely to leave an individual cash poor in a market downturn. This allows people with large portfolios to invest a bit more aggressively.
Savings per year:	This is the amount you will be adding to your investments each year. Like portfolio size, the more you invest the more aggressive your investments should be.
Income required:	This is the percentage of income you will need from your investments. Most people do not require any income from their investments until they retire.
Risk tolerance:	Your personal ability to tolerate your portfolio value fluctuating up and down. Many people overestimate their ability to tolerate risk. Unless you can handle a 20% decline in your portfolio during a stock market correction, you may wish to keep your risk tolerance at or below the mid-point.
Economic outlook:	This is your view of future economic growth and the overall health of the economy. The better your outlook, the more aggressive you can be with your investments.

information and interactive calculators are made available to you as self-help tools for your independent use. We can not and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

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