Stocks, bonds & funds
An asset allocation guide that starts a conversation, not a trade
An asset allocation calculator: clients enter an amount, a risk tolerance and a time horizon to see an educational split between stocks, bonds and cash.
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How should I divide my money between stocks, bonds and cash?
It depends mainly on when you need the money and how much decline you can tolerate. Longer horizons and higher tolerance generally support more stocks; shorter horizons call for more bonds and cash. A calculator gives an educational starting point; a personalized allocation also considers income, other assets, taxes and goals.
When cash piles up or a rollover arrives
A rollover, an inheritance, a business sale or simply years of accumulated cash prompt the question. Clients want a sensible starting point and a sense of whether they're taking too much or too little risk.
What the client types into a search box
“how should I invest my money”
How a client works through it
Enter the amount
The sum to allocate.
Choose a risk tolerance
From conservative to aggressive.
Enter the horizon
Years until the money is needed.
See the mix
Stocks, bonds and cash in dollars and percent.
What lands in your inbox
When a client asks your firm to review the result, the request arrives as a contact record with their inputs and results attached, by email and, on paid plans, by webhook to your CRM.
Received
Amount, risk tolerance and horizon show investable assets and attitude to risk. Large amounts are significant prospects. A mismatch, such as a short horizon with aggressive tolerance, is worth discussing.
What the suggested mix means
Stocks, Bonds and Cash show an educational guideline split. It reflects general principles, not the client's whole situation.
The guideline is a starting point for discussion. Taxes, other holdings and specific goals can change the right mix materially.
Results shown: Stocks · Bonds · Cash.
How does an allocation calculator support advisers?
It's the bridge between curiosity and a planning engagement. The educational output invites the obvious next question, 'what would you recommend for me?', which only a fiduciary conversation can answer properly.
It also demonstrates the firm's investment philosophy in a neutral way.
Follow-ups this request opens
- Complete a risk-tolerance and goals assessment
- Build a personalized allocation across accounts
- Place assets tax-efficiently
- Plan the investment of a lump sum
What this calculator leaves out
- Educational guideline, not personalized advice.
- Doesn't consider other assets, income or taxes.
- No specific investments recommended.
- Three asset classes only.
Platform disclaimer shown under the calculator: Educational guideline only. A suggested allocation is not personalized investment advice; consider your full situation or consult an advisor.
Compliance note for firms
The output must stay educational. For RIAs, recommending an allocation is investment advice requiring suitability and fiduciary analysis; for broker-dealers, FINRA Rule 2214 applies to investment analysis tools. Keep disclaimers visible and avoid linking to products.
Not legal advice. See our disclaimer and the guide to compliance for client calculators.
Terms your client sees in the calculator
These definitions appear in the calculator's collapsible Definitions block, so clients don't have to call to ask what a label means.
- Asset allocation
- How a portfolio is divided among asset classes, here stocks, bonds and cash. The mix has more effect on the portfolio’s ups and downs than the choice of individual funds. This calculator suggests percentages from your risk tolerance and time horizon and applies them to the amount you enter.
- Risk tolerance
- How much decline in value you can accept, financially and emotionally, without selling at a bad time. A conservative setting shifts the suggested mix toward bonds and cash; an aggressive one shifts it toward stocks. It is a self-assessment, and this calculator treats it as one of three levels.
- Time horizon
- The number of years until you expect to need the money. A longer horizon leaves more time to recover from market declines, which supports a higher stock share. Money needed within a few years is usually held more in bonds and cash, and this calculator trims the stock share for short horizons and raises it for very long ones.
- Stocks
- Shares of ownership in companies, usually held through mutual funds or ETFs. Over long periods stocks have historically returned more than bonds or cash, but with larger and more frequent declines along the way. They are the growth portion of the suggested mix.
- Bonds
- Loans to governments or companies that pay interest and return principal at maturity. They generally fluctuate less than stocks and provide income, but their prices fall when interest rates rise. In the suggested mix they reduce volatility at the cost of lower expected long-term growth.
- Cash equivalents
- Savings accounts, money market funds and short-term Treasury bills. They are stable in value and easy to access, but returns often trail inflation over time. The cash share of the suggested mix covers near-term needs and gives stability; it is not meant to drive growth.
In our glossary: Investment analysis tool
Asset Allocation calculator: questions from firms and clients
Is this personalized investment advice?
No. It's an educational guideline based on two inputs.
Should my age decide my allocation?
Time horizon matters more than age alone.
Why hold cash at all?
For near-term needs and stability.
Does it recommend funds?
No.
How often should I rebalance?
Many investors rebalance annually or when weights drift; ask your adviser.
Does it consider taxes?
No. Asset location across account types can improve after-tax results.
Can I use it for retirement accounts?
Yes, as a guide.
Which plan includes it?
Network. See pricing.
No question matches that filter. Clear it to see them all, search the whole site, or ask us directly; we reply within one business day.
Clients who ask this usually ask next
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how long will it take my portfolio to recover
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Taxable vs. Tax-Deferred vs. Tax-Free
where should I put my savings for the best tax treatment
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Answer the February question before the client calls
Embed the Asset Allocation calculator on your firm's site in an afternoon and receive requests with the numbers already filled in.
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