Your inputs
Risk tolerance
Your target mix
Based on age 34 and a moderate risk appetite. Rebalance once a year — set a reminder, don't try to time it.
Stocks
$57,000
76% · growth engine
Bonds
$14,250
19% · stability
Cash
$3,750
5% · short-term buffer
Why this mix
We start from 110 minus your age for stocks — more aggressive than the old "100 minus age" since lifespans and retirement windows have lengthened. Your moderate tolerance tilts the needle to center by 10 points. The split caps at 95% stocks and 70% bonds to keep both sides functioning as a real asset class.
How we build the target mix
Start with 110 minus your age
That's your stock percentage. Modernized from the old '100 minus age' to reflect longer lifespans and longer retirements.
Tilt by risk tolerance
Conservative tilts 10 points toward bonds. Aggressive tilts 10 points toward stocks. Moderate sits on the baseline.
Rebalance yearly — not monthly
Quarterly tax drag. Monthly whiplash. Once a year is enough. Set a calendar reminder and you'll outperform most fund managers by not doing anything.