What is asset allocation and how should mine look at my age?

Asset allocation is the percentage of your portfolio divided among different asset classes — primarily stocks and bonds. Stocks offer higher long-term growth but more short-term volatility; bonds provide stability but lower returns. A common rule of thumb is to subtract your age from 110 (or 120 if you have high risk tolerance) to get your stock percentage. A 35-year-old might hold 75–85% stocks and 15–25% bonds. That said, your correct allocation depends on your time horizon, goals, income stability, and psychological tolerance for watching your portfolio drop. Take the Investor Profile assessment at wealthserene.com/assessments/investor-profile to get a personalized allocation model.