资产配置计算器

根据您的风险承受能力、投资目标和时间跨度，计算最优资产配置比例，包括股票、债券和现金的分配方案。

Your Age

years

Risk Tolerance

Target Retirement Age

years

Recommended Stock %

85 %

Recommended Bond %15 %

Years to Retirement30 years

Expected Return (Approx)9.1 %

Recommended Stock % vs Your Age

查看公式 →

公式

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

Conservative (0.8x): Less volatility, lower expected return

Moderate (1.0x): Balanced approach, standard rule

Aggressive (1.2x): More stocks, higher expected return and volatility

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.

计算示例

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%

常见问题

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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