Asset Allocation Calculator
Find your optimal mix of stocks, bonds, REITs, and cash based on your personal financial profile.
Risk Profile: Moderate
Recommended Allocation
US Stocks48.0%
International Stocks24.0%
REITs8.0%
Short-Term Bonds6.0%
Intermediate Bonds10.0%
Long-Term Bonds4.0%
Fund Recommendations
US Stocks (48.0%): Total market or S&P 500 index funds (VTI, VOO)
International Stocks (24.0%): Developed + emerging markets (VXUS, IXUS)
REITs (8.0%): Real estate investment trusts (VNQ)
Short-Term Bonds (6.0%): Treasuries & investment-grade <3yr (BSV)
Intermediate Bonds (10.0%): Core bond index (BND, AGG)
Long-Term Bonds (4.0%): Long-duration treasuries (TLT, EDV)