The Simple Rule
Rule of 110: Stock % = 110 − Your Age. The rest goes to bonds and cash. Younger = more stocks. Older = more bonds.
Example: $150,000 at Age 35
| Risk Profile | Stocks | Bonds | Cash |
|---|---|---|---|
| Conservative | 60% ($90k) | 30% ($45k) | 10% ($15k) |
| Moderate | 75% ($112.5k) | 15% ($22.5k) | 10% ($15k) |
| Aggressive | 85% ($127.5k) | 5% ($7.5k) | 10% ($15k) |
How to Use
- Pick your currency.
- Enter your age.
- Choose your risk level (Conservative, Moderate, Aggressive).
- Enter your portfolio size.
- Get your allocation — instantly.
Why It Matters
- No guesswork — clear math, clear answers
- Test scenarios — adjust age or risk to see what changes
- 100% private — everything runs locally, nothing is stored
- Export & share — save or share your allocation plan
Who Is This For?
- New investors getting started
- Mid-career savers fine-tuning
- Retirees shifting to stability
- Anyone who wants a clear starting point
Common Questions
What’s the Rule of 110? Subtract your age from 110 to find your stock percentage. At 35, that’s 75% stocks.
Why does age matter? More time = more room for growth. Less time = more need for stability.
What’s the difference? Stocks = growth. Bonds = stability. Cash = safety.