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Asset Allocation by Age: Stocks vs Bonds Formula
Use the 110-minus-age rule and other frameworks to set your stock/bond mix by decade.
July 9, 20267 min readBy MyWealthForge
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Key Takeaways
- 1Classic rule: 110 minus your age = % in stocks.
- 2Age 30: ~80% stocks. Age 60: ~50% stocks.
- 3Risk tolerance matters more than age alone.
- 4Rebalance annually or use target-date funds.
Asset allocation — how you split stocks, bonds, and cash — drives more of your returns than picking individual stocks.
Check net worth by age benchmarks.
Allocation by Decade
20s–30s: 80–90% stocks. 40s: 70–80%. 50s: 60–70%. 60s+: 50–60% stocks, rest bonds/cash.
Adjust for risk tolerance and retirement timeline.
Simple Implementation
Use a total stock + total bond index fund pair. Or one target-date fund.
Rebalance when allocation drifts 5%+.
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