Asset Allocation Calculator
Compare your holdings with a target mix. See the dollar changes needed and whether the new contribution you enter can rebalance without sales.
Allocation is each asset class's share of your portfolio. The balanced preset holds 54% in stocks; its modeled return of 5.9% uses the assumptions below. It is an illustration, not a recommended mix or forecast.
What each target mix looks like
| Target mix | Stocks | Bonds and cash | Expected return | Volatility |
|---|---|---|---|---|
| Conservative | 36% | 60% | 5.3% | 7% |
| Balanced | 54% | 40% | 5.9% | 9.5% |
| Growth | 72% | 23% | 6.5% | 12.1% |
| Aggressive | 84% | 11% | 6.8% | 13.9% |
The assumptions behind those figures
| Asset class | Expected return | Volatility |
|---|---|---|
| US stocks | 7% | 16% |
| International stocks | 7.5% | 18% |
| Bonds | 4.5% | 6% |
| Cash | 3% | 1% |
| Alternatives | 6% | 12% |
Before placing trades
Check the target across all accounts, including employer stock. A diversified retirement account can still leave your household concentrated in one company.
In a taxable account, compare the capital gains from selling with the option of directing new contributions toward underweight assets. The calculator does not estimate that tax bill.
The return figure is a weighted average of asset assumptions. Volatility also uses assumed correlations: how assets move together. Both are illustrations, and correlations can change during market stress.