Design and rebalance investment portfolios across stocks, bonds, and alternatives based on risk tolerance, age, and goals.
This tool turns a risk-tolerance rating, your age, and a stated goal or time horizon into a target split across stocks, bonds, and alternatives, then compares that target against what you currently hold so you can see the rebalancing gap in each bucket. It runs on a rule-of-thumb heuristic, not a personalized financial plan. The thing people get wrong most often: they treat "alternatives" as one uniform, moderate-risk category, when the label can cover anything from a REIT fund to commodities to private equity, each with a very different risk and liquidity profile than the others.
Risk tolerance (conservative, moderate, aggressive), age, and a stated goal or horizon feed a rule-of-thumb formula that outputs a percentage target for stocks, bonds, and alternatives. Shorter horizons and lower risk tolerance shift weight toward bonds; longer horizons and higher risk tolerance shift weight toward stocks. The exact split moves with whichever inputs you select rather than following one fixed ratio.
Enter current holdings by dollar amount or percentage in each bucket, and the calculator subtracts your current split from the target split to flag which buckets are overweight and which are underweight, shown as a percentage or dollar move. It does not factor in trading costs, the tax consequences of selling appreciated positions, or account minimums.
No. It treats everything you enter as one combined pool, so it won't tell you which asset class to hold in an IRA versus a taxable brokerage account for tax efficiency. You have to apply that layer yourself.
Not necessarily. It applies a general rule of thumb based on risk tolerance and age, the kind of starting point many advisors use, but it doesn't know your full financial picture. Treat the output as a baseline to adjust, not a final answer.
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