Calculateur de Répartition d'Actifs Gratuit
Trouvez votre répartition idéale actions-obligations selon votre âge et votre tolérance au risque. Optimisez votre portefeuille.
Recommended Stock %
85 %
Recommended Stock % vs Your Age
Formule
Asset Allocation by Age
The Classic Rule
Stock Allocation = (120 - Age) x Risk Multiplier
Older versions used 110 or 100 instead of 120, but increasing life expectancies favor more aggressive allocations.
Risk Tolerance Adjustments
Why This Works
Younger investors have more time to recover from downturns, so they can hold more stocks. As retirement approaches, shifting toward bonds reduces the risk of a devastating loss at the wrong time.
Exemple Résolu
35-year-old, moderate risk tolerance, retiring at 65.
- 01Base stock % = (120 - 35) x 1.0 = 85%
- 02Bond allocation = 100% - 85% = 15%
- 03Years to retirement = 30
- 04Expected return = 85% x 10% + 15% x 4% = 9.1%
Questions Fréquentes
Is the age-based rule accurate?
It is a useful starting point but overly simplistic. Your actual allocation should also consider income stability, existing savings, pension or Social Security, risk capacity, and personal comfort with volatility.
Should I include international stocks?
Yes. Most financial advisors recommend 20-40% of your stock allocation in international equities for diversification. This calculator shows the overall stock/bond split; you subdivide from there.
What about other asset classes?
Real estate (REITs), commodities, and alternatives can be included as part of your stock allocation for diversification. Keep your core allocation simple, then add complexity as your portfolio grows.
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