Savings & Investing
Asset Allocation Guide
A starting mix of stocks, bonds and cash based on your timeline and your stomach for risk.
Your numbers
Suggested stock allocation
80%
- Stocks (80%)
- $120,000
- Bonds (17%)
- $25,500
- Cash (3%)
- $4,500
- Rough expected return
- 7.2%
- A bad year could look like
- -$55,275
This is a rule-of-thumb starting point, not investment advice. Rauner & Associates does not sell investments, but we are glad to look at how a mix affects your taxes.
Asset Allocation Guide explained simply
Do not put every egg in one basket. Stocks grow the fastest but bounce around, bonds are steadier, and cash just sits there safely. This suggests a mix based on how soon you need the money.
For example
Twenty years out, a common mix is around 80% stocks and 20% bonds. Two years out, most of it should be somewhere it cannot drop 30% right before you need it.
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Want a second set of eyes on these numbers?
These calculators are estimates for planning purposes and don't account for every detail of your situation. Bring your results to us and we'll pressure-test them against your actual tax picture.
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