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.
What's a reasonable portfolio mix at 34?
Using the 110-minus-age guideline with moderate risk tolerance, a 34-year-old's starting point is roughly 76% stocks, 19% bonds, and 5% cash — on a $75,000 portfolio, that's $57,000 / $14,250 / $3,750. Conservative investors shift about 10 points from stocks to bonds; aggressive ones shift the other way. It's a rule of thumb for a first pass, not personalized advice.
76% · $57,000
Stocks
19% · $14,250
Bonds
5% · $3,750
Cash
110 − age
Rule used
Frequently asked questions
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.