Investment Allocation

The Investment Allocation Calculator evaluates your current portfolio allocation across asset classes (stocks, bonds, real estate, gold, cash) against recommended model portfolios based on your age and risk tolerance. Enter your current allocation percentages and your age. The donut chart shows your current allocation versus the recommended allocation — for example, the classic "110 minus age" rule for stock allocation. Deviations are highlighted so you can see where rebalancing is needed. Asset allocation is widely considered the single most important investment decision, responsible for 90%+ of portfolio return variation according to landmark studies. This calculator helps you maintain a disciplined allocation that matches your life stage and risk capacity rather than chasing recent performance.