WealthCalc

Age-based allocation calculator

Compare three simple age-based ideas for dividing an investment pot between stocks and bonds or cash.

Whole-year age from 0 to 120. Compare all three age-based shortcuts; age alone cannot determine the right investment mix.

Use the same currency for every amount and a decimal point without thousands separators.

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Stock share using the Rule of 110

75%

Illustrative share, not a recommendation

Rule-of-thumb comparison
Rule of 10065% stocks / 35% bonds or cash
Rule of 11075% stocks / 25% bonds or cash
Rule of 12085% stocks / 15% bonds or cash

Age alone does not capture your goals, investment timeframe or ability to handle losses. Values outside 0–100% are bounded; this calculator does not suggest borrowing to invest.

* Not financial advice. Just for fun and information. Read the full Disclaimer, also linked in the footer, for more.

Stock share using the Rule of 110: 75%. Illustrative share, not a recommendation.

What the age-based rules show

The Rules of 100, 110 and 120 suggest a stock share that falls with age. The higher starting number leaves more in stocks at the same age. Seeing all three together helps you understand the difference without treating one as the correct answer.

Reading your result

At age 35, the rules give 65%, 75% and 85% in stocks. The rest is shown as bonds or cash; this calculator does not choose between them or select investments. Results outside 0–100% are bounded and marked, rather than suggesting borrowing to buy stocks.

Age alone cannot tell you the right mix. When you need the money, your ability to cope with losses and your other resources matter too. These percentages are educational comparisons, not a recommendation or promise of a return. Read Investor.gov’s explanation of allocation and risk.

The maths behind the comparison

Stock percentage = rule number − age, limited to 0–100%. Other percentage = 100% − stock percentage. The tool compares all three numbers for whole-year ages from 0 to 120.