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Asset allocation is the mix of asset classes in your portfolio and is the single biggest driver of long-term risk and return. A common guideline shifts from mostly stocks when young toward more bonds near retirement, so the portfolio is more stable when you need to draw on it. The right mix depends on your time horizon and risk tolerance.
An 80/20 allocation holds 80% stocks and 20% bonds.
The classic "100 minus your age" rule for stock-bond allocation has not aged well. Here is a more nuanced approach based on your timeline, risk tolerance, and income sources.
Read article →Educational disclaimer: All content on WealthSerene.com is for educational purposes only and does not constitute investment advice. Projections and calculations are illustrative — actual results will vary based on market conditions, your specific situation, and many factors outside this tool’s scope. Always consult a qualified financial professional for advice specific to your situation. View full disclosures →