100 Minus Age Rule Calculator

A simple rule of thumb for stock vs bond allocation based on your age.

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Asset Allocation by Age

Enter your age to see the suggested stock/bond split using the 100 minus age rule.

Suggested stock allocation
70%
Bonds: 30%
Stocks allocation
0%
Bonds allocation
0%
Amount in stocks
$0
Amount in bonds
$0

Worked example

With the default inputs shown below, this calculator returns the following results:

InputValue
Your age30
Risk toleranceStandard (100 - age)
Total portfolio ($)$100,000
ResultValue
Suggested stock allocation70%
Stocks allocation70%
Bonds allocation30%
Amount in stocks$70,000
Amount in bonds$30,000

Values shown are produced by this page in your browser; change any input to update them.

How to use the Asset Allocation by Age

  1. Your age β€” default 30
  2. Risk tolerance β€” default Standard (100 - age)
  3. Total portfolio ($) β€” default $100,000
  4. Press Calculate to update the results instantly.

Frequently asked questions

Sources & references