Asset Allocation by Age: 5 Things to Know

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data-source="foolcom_nav_click" data-track-link="Today's Biggest Stock Losers" > Today's Biggest Stock Losers </a> </li> <li> <a id="markets-largest-market-cap-companies" href="/research/largest-companies-by-market-cap/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Largest Market Cap Companies" > Largest Market Cap Companies </a> </li> <li> <a id="markets-market-research" href="/research/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Market Research" > Market Research </a> </li> <li> <a id="markets-breakfast-news" href="/investing/breakfast-news/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="📨 Breakfast News" > 📨 Breakfast News </a> </li> </ul> </div> <div class="submenu-column"> <div class="pb-6 font-bold uppercase text-14">Best Buys</div> <ul class="leading-relaxed"> <li> <a id="best-buys-top-stocks-to-buy-now" href="/investing/top-stocks-to-buy-and-hold/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Top Stocks to Buy Now" > Top Stocks to Buy Now </a> </li> <li> <a id="best-buys-best-etfs-to-buy" href="/investing/how-to-invest/etfs/etfs-to-buy/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Best ETFs to Buy" > Best ETFs to Buy </a> </li> <li> <a id="best-buys-best-ai-stocks" href="/investing/stock-market/market-sectors/information-technology/ai-stocks/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Best AI Stocks" > Best AI Stocks </a> </li> <li> <a id="best-buys-best-growth-stocks" href="/investing/stock-market/types-of-stocks/growth-stocks/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Best Growth Stocks" > Best Growth Stocks </a> </li> <li> <a id="best-buys-dividend-kings" href="/investing/stock-market/types-of-stocks/dividend-stocks/dividend-kings/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Dividend Kings" > Dividend Kings </a> </li> <li> <a id="best-buys-best-index-funds" href="/investing/how-to-invest/index-funds/best-index-funds/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Best Index Funds" > Best Index Funds </a> </li> <li> <a id="best-buys-next-cryptos-to-explode" href="/investing/stock-market/market-sectors/financials/cryptocurrency-stocks/next-crypto-to-explode/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Next Cryptos to Explode" > Next Cryptos to Explode </a> </li> </ul> </div> <div class="submenu-column"> <div class="pb-6 font-bold uppercase text-14">Industries to Invest In</div> <ul class="leading-relaxed"> <li> <a id="industries-to-invest-in-technology" href="/investing/stock-market/market-sectors/information-technology/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Technology" > Technology </a> </li> <li> <a id="industries-to-invest-in-energy" href="/investing/stock-market/market-sectors/energy/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Energy" > Energy </a> </li> <li> <a id="industries-to-invest-in-real-estate" href="/investing/stock-market/market-sectors/real-estate-investing/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Real Estate" > Real Estate </a> </li> <li> <a id="industries-to-invest-in-healthcare" href="/investing/stock-market/market-sectors/healthcare/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Healthcare" > Healthcare </a> </li> <li> <a id="industries-to-invest-in-consumer-goods" href="/investing/stock-market/market-sectors/consumer-staples/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Consumer Goods" > Consumer Goods </a> </li> <li> <a id="industries-to-invest-in-materials" href="/investing/stock-market/market-sectors/materials/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Materials" > Materials </a> </li> <li> <a id="industries-to-invest-in-industrials" href="/investing/stock-market/market-sectors/industrials/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Industrials" > Industrials </a> </li> </ul> </div> </div> </div> </div> <div class="flex dropdown"> <button class="dropdown-label text-16"> How to Invest <svg viewBox="0 0 320 512"> <title>angle-down</title> <path fill="currentColor" d="M151.5 347.8L3.5 201c-4.7-4.7-4.7-12.3 0-17l19.8-19.8c4.7-4.7 12.3-4.7 17 0L160 282.7l119.7-118.5c4.7-4.7 12.3-4.7 17 0l19.8 19.8c4.7 4.7 4.7 12.3 0 17l-148 146.8c-4.7 4.7-12.3 4.7-17 0z"></path> </svg> </button> <div class="flex submenu"> <div class="flex justify-between topnav-wrapper p-32px xl:px-0px"> <div class="submenu-column"> <div class="pb-6 font-bold uppercase text-14">Investing 101</div> <ul class="leading-relaxed"> <li> <a id="investing-101-how-to-invest-money" href="/investing/how-to-invest/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="How to Invest Money" > How to Invest Money </a> </li> <li> <a id="investing-101-what-to-invest-in" href="/investing/how-to-invest/what-to-invest-in/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="What to Invest In" > What to Invest In </a> </li> <li> <a id="investing-101-how-to-invest-in-stocks" href="/investing/how-to-invest/stocks/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="How to Invest in Stocks" > How to Invest in Stocks </a> </li> <li> <a id="invesing-101-how-to-invest-in-etfs" href="/investing/how-to-invest/etfs/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="How to Invest in ETFs" > How to Invest in ETFs </a> </li> <li> <a id="investing-101-how-to-invest-in-index-funds" href="/investing/how-to-invest/index-funds/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="How to Invest in Index Funds" > How to Invest in Index Funds </a> </li> <li> <a id="investing-101-how-to-invest-in-bonds" href="/investing/how-to-invest/bonds/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="How to Invest in Bonds" > How to Invest in Bonds </a> </li> <li> <a id="investing-101-financial-dictionary" href="/terms/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Financial Dictionary" > Financial Dictionary </a> </li> </ul> </div> <div class="submenu-column"> <div class="pb-6 font-bold uppercase text-14">Stock Market Basics</div> <ul class="leading-relaxed"> <li> <a id="stock-market-basics-stock-market-101" href="/investing/stock-market/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Stock Market 101" > Stock Market 101 </a> </li> <li> <a id="stock-market-basics-types-of-stocks" href="/investing/stock-market/types-of-stocks/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Types of Stocks" > Types of Stocks </a> </li> <li> <a id="stock-market-basics-stock-market-sectors" href="/investing/stock-market/market-sectors/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Stock Market Sectors" > Stock Market Sectors </a> </li> <li> <a id="stock-market-basics-stock-market-indexes" href="/investing/stock-market/indexes/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Stock Market Indexes" > Stock Market Indexes </a> </li> <li> <a id="stock-market-basics-what-are-stock-splits" href="/terms/s/stock-split/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="What Are Stock Splits?" > What Are Stock Splits? </a> </li> <li> <a id="stock-market-basics-what-is-compound-interest" href="/investing/how-to-invest/stocks/compound-interest-accounts/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="What Is Compound Interest?" > What Is Compound Interest? </a> </li> <li> <a id="stock-market-basics-after-hours-trading" href="/terms/a/after-hours-trading/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="After Hours Trading" > After Hours Trading </a> </li> </ul> </div> <div class="submenu-column"> <div class="pb-6 font-bold uppercase text-14">Start Investing</div> <ul class="leading-relaxed"> <li> <a id="start-investing-how-to-buy-stock" href="/investing/how-to-invest/stocks/how-to-buy-stock/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="How to Buy Stock" > How to Buy Stock </a> </li> <li> <a id="start-investing-best-brokers-for-beginners" href="https://www.fool.com/money/buying-stocks/best-online-stock-brokers-beginners/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Best Brokers for Beginners" > Best Brokers for Beginners </a> </li> <li> <a id="start-investing-best-brokerage-accounts" href="https://www.fool.com/money/buying-stocks/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Best Brokerage Accounts" > Best Brokerage Accounts </a> </li> <li> <a id="start-investing-good-time-to-buy-stocks" href="/investing/how-to-invest/stocks/good-time-to-buy-stocks/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Good Time to Buy Stocks" > Good Time to Buy Stocks </a> </li> <li> <a id="start-investing-how-many-shares-to-buy" href="/investing/how-to-invest/stocks/how-many-shares-buy-stock/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="How Many Shares to Buy?" > How Many Shares to Buy? </a> </li> <li> <a id="start-investing-portfolio-diversification" href="/investing/how-to-invest/portfolio-diversification/" target="_blank" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Portfolio Diversification" > Portfolio Diversification </a> </li> <li> <a id="start-investing-long-term-investing-strategies" href="/investing/how-to-invest/stocks/investment-strategies/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Long Term Investing Strategies" > Long Term Investing Strategies </a> </li> </ul> </div> <div class="submenu-column"> <div class="pb-6 font-bold uppercase text-14">Companies to Invest In</div> <ul class="leading-relaxed"> <li> <a id="companies-to-invest-in-magnificent-seven-companies" href="/investing/how-to-invest/stocks/magnificent-seven/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Magnificent Seven Companies" > Magnificent Seven Companies </a> </li> <li> <a id="companies-to-invest-in-warren-buffett-investments" href="/investing/how-to-invest/famous-investors/warren-buffett-investments/stocks-owned/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Warren Buffett Investments" > Warren Buffett Investments </a> </li> <li> <a id="companies-to-invest-in-investing-in-chatgpt" href="/investing/stock-market/market-sectors/information-technology/ai-stocks/chatgpt/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Investing in ChatGPT" > Investing in ChatGPT </a> </li> <li> <a id="companies-to-invest-in-investing-in-spacex" href="/investing/how-to-invest/stocks/how-to-invest-in-spacex-stock/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Investing in SpaceX" > Investing in SpaceX </a> </li> <li> <a id="companies-to-invest-in-investing-in-openai" href="/investing/how-to-invest/stocks/how-to-invest-in-openai-stock/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Investing in OpenAI" > Investing in OpenAI </a> </li> <li> <a id="companies-to-invest-in-investing-in-nvidia" href="/investing/how-to-invest/stocks/how-to-invest-in-nvidia-stock/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Investing in Nvidia" > Investing in Nvidia </a> </li> <li> <a id="companies-to-invest-in-investing-in-databricks" href="/investing/how-to-invest/stocks/how-to-invest-in-databricks/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Investing in Databricks" > Investing in Databricks </a> </li> </ul> </div> </div> </div> </div> <div class="flex dropdown"> <button class="dropdown-label text-16"> Retirement <svg viewBox="0 0 320 512"> <title>angle-down</title> <path fill="currentColor" d="M151.5 347.8L3.5 201c-4.7-4.7-4.7-12.3 0-17l19.8-19.8c4.7-4.7 12.3-4.7 17 0L160 282.7l119.7-118.5c4.7-4.7 12.3-4.7 17 0l19.8 19.8c4.7 4.7 4.7 12.3 0 17l-148 146.8c-4.7 4.7-12.3 4.7-17 0z"></path> </svg> </button> <div class="flex submenu"> <div class="flex justify-between topnav-wrapper p-32px xl:px-0px"> <div class="submenu-column"> <div class="pb-6 font-bold uppercase text-14">Retirement Essentials</div> <ul class="leading-relaxed"> <li> <a id="retirement-essentials-retirement-101" href="/retirement/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Retirement 101" > Retirement 101 </a> </li> <li> <a id="retirement-essentials-types-of-retirement-accounts" href="/retirement/plans/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Types of Retirement Accounts" > Types of Retirement Accounts </a> </li> <li> <a id="retirement-essentials-how-to-contribute-to-401k-ira" href="/retirement/plans/401k/contribute-to-401k-and-ira/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="How to Contribute to 401k/IRA?" > How to Contribute to 401k/IRA? </a> </li> <li> <a id="retirement-essentials-strategies-to-save-for-retirement" href="/retirement/strategies/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Strategies to Save for Retirement" > Strategies to Save for Retirement </a> </li> <li> <a id="retirement-essentials-asset-allocation-for-my-age" href="/retirement/strategies/asset-allocation-by-age/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Asset Allocation for My Age" > Asset Allocation for My Age </a> </li> <li> <a id="retirement-essentials-best-ira-brokerage-accounts" href="https://www.fool.com/money/buying-stocks/best-brokers-iras/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Best IRA Brokerage Accounts" > Best IRA Brokerage Accounts </a> </li> <li> <a id="retirement-essentials-withdrawal-rules-for-401k-plans" href="/retirement/plans/401k/withdrawal/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Withdrawal Rules for 401(k) Plans" > Withdrawal Rules for 401(k) Plans </a> </li> </ul> </div> <div class="submenu-column"> <div class="pb-6 font-bold uppercase text-14">Social Security Benefits</div> <ul class="leading-relaxed"> <li> <a id="social-security-benefits-social-security-101" href="/retirement/social-security/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Social Security 101" > Social Security 101 </a> </li> <li> <a id="social-security-benefits-when-to-start-social-security" href="/retirement/social-security/when-to-start/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="When to Start Social Security?" > When to Start Social Security? </a> </li> <li> <a id="social-security-benefits-full-retirement-age" href="/retirement/social-security/full-retirement-age/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Full Retirement Age" > Full Retirement Age </a> </li> <li> <a id="social-security-benefits-colas" href="/retirement/social-security/colas/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="COLAs" > COLAs </a> </li> <li> <a id="social-security-benefits-calculate-your-ss-benefits" href="/retirement/social-security/benefits-formula/" data-track-category="nav_hover_menu" data-track-action="foolcom_nav_click" data-source="foolcom_nav_click" data-track-link="Calculate Your SS Benefits" > Calculate Your SS Benefits </a> </li> <li> <a id="social-security-benefits-collecting-spousal-benefits" 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Your age is a primary consideration when you're managing allocation because the older you are, the less investment risk you can afford to take. As you get closer to retirement age, your risk tolerance decreases dramatically, and you can't afford any wild swings in the stock market.</p> </section> <section class="block-definition"> <div class="flex flex-col items-stretch border border-gray-300 md:flex-row md:items-center md:mb-60 shadow-card wagtail-block definition-snippet"> <div class="hidden w-auto md:flex md:pl-20px"> <a href="/terms/a/assets/" data-track-action="foolcom_evergreen_click" data-source="foolcom_evergreen_click" data-track-category="evergreen_definition_snippet" data-track-link="Asset (icon)"> <svg class="flex flex-shrink-0" style="width:75px; height:59px" viewBox="0 0 75 59"> <title>Definition Icon</title> <path d="M10.352 45.8748L35.5869 51.4521C36.1147 51.5674 36.6493 51.625 37.1957 51.625C37.742 51.625 38.278 51.5663 38.809 51.4488L64.0439 45.8715C65.7433 45.4945 66.9522 43.9965 66.9522 42.2564V4.5483C66.9522 1.99586 64.8611 0.00115234 62.3829 0.00115234C62.326 0.00146348 62.2911 0 62.2562 0C61.9191 0 60.7451 0.192787 37.1957 3.81771C13.6113 0.187832 12.4838 0.000230469 12.1351 0.000230469C12.0935 0.000230469 12.0633 0.00146348 12.0066 0.00146348C9.53022 0.00123301 7.43913 1.99586 7.43913 4.5483V42.2564C7.43913 43.9965 8.65031 45.4945 10.352 45.8748ZM39.0554 7.27129C39.0554 7.27129 61.768 3.76932 62.3725 3.69096C62.7793 3.69096 63.2326 4.02283 63.2326 4.55867L63.2299 42.2749L39.0554 47.6148V7.27129ZM11.1587 4.55867C11.1587 4.25641 11.2985 4.05544 11.4157 3.93998C11.5015 3.85535 11.677 3.7185 12.0276 3.69245C12.6465 3.77277 35.3359 7.27129 35.3359 7.27129V47.6148L11.1587 42.2564V4.55867ZM72.5315 3.6875C71.5086 3.6875 70.6717 4.51258 70.6717 5.53125V44.2039C70.6717 46.8405 68.7771 49.1233 66.1699 49.6303L37.1957 55.2779L8.21791 49.6349C5.61422 49.1244 3.71957 46.8428 3.71957 44.2039V5.53125C3.71957 4.51258 2.88731 3.6875 1.85978 3.6875C0.832253 3.6875 0 4.51258 0 5.53125V44.2039C0 48.5978 3.15698 52.4017 7.50655 53.2498L36.833 58.9631C36.9516 58.9885 36.9748 59 37.1957 59C37.4165 59 37.4353 58.9892 37.5534 58.9658L66.8915 53.2525C71.2297 52.4086 74.3913 48.6059 74.3913 44.2039V5.53125C74.3913 4.51258 73.5544 3.6875 72.5315 3.6875Z" fill="#003B5C"/> <circle cx="42.8269" cy="26.1531" r="12.5466" fill="white"/> <path d="M65.1479 45.4982L56.0248 36.3751C55.852 36.2022 55.6265 36.1121 55.3861 36.1121H54.3941C56.7613 33.3691 58.1966 29.7995 58.1966 25.8918C58.1966 17.2571 51.2002 10.2607 42.5656 10.2607C33.931 10.2607 26.9346 17.2571 26.9346 25.8918C26.9346 34.5264 33.931 41.5228 42.5656 41.5228C46.4734 41.5228 50.0429 40.0875 52.7859 37.7203V38.7122C52.7859 38.9527 52.8836 39.1781 53.0489 39.351L62.172 48.4741C62.5252 48.8273 63.0964 48.8273 63.4496 48.4741L65.1479 46.7757C65.5011 46.4225 65.5011 45.8514 65.1479 45.4982ZM42.5656 37.9156C35.9224 37.9156 30.5417 32.535 30.5417 25.8918C30.5417 19.2486 35.9224 13.8679 42.5656 13.8679C49.2088 13.8679 54.5895 19.2486 54.5895 25.8918C54.5895 32.535 49.2088 37.9156 42.5656 37.9156Z" fill="#003B5C"/> <path d="M46.6525 19.2393H30.304C29.8752 19.2393 29.5 19.8378 29.5 20.5219C29.5 21.2059 29.8752 21.8045 30.304 21.8045H46.6525C47.0813 21.8045 47.4565 21.2059 47.4565 20.5219C47.4565 19.8378 47.0813 19.2393 46.6525 19.2393Z" fill="#003B5C"/> <path d="M46.6525 19.2393H30.304C29.8752 19.2393 29.5 19.8378 29.5 20.5219C29.5 21.2059 29.8752 21.8045 30.304 21.8045H46.6525C47.0813 21.8045 47.4565 21.2059 47.4565 20.5219C47.4565 19.8378 47.0813 19.2393 46.6525 19.2393Z" fill="#003B5C"/> <path d="M45.4273 24.3696H30.2466C29.8484 24.3696 29.5 24.9682 29.5 25.6522C29.5 26.3363 29.8484 26.9348 30.2466 26.9348H45.4273C45.8255 26.9348 46.1739 26.3363 46.1739 25.6522C46.1739 24.9682 45.8255 24.3696 45.4273 24.3696Z" fill="#003B5C"/> <path d="M45.4273 24.3696H30.2466C29.8484 24.3696 29.5 24.9682 29.5 25.6522C29.5 26.3363 29.8484 26.9348 30.2466 26.9348H45.4273C45.8255 26.9348 46.1739 26.3363 46.1739 25.6522C46.1739 24.9682 45.8255 24.3696 45.4273 24.3696Z" fill="#003B5C"/> <path d="M43.034 29.5H31.3565C31.0502 29.5 30.7822 30.0986 30.7822 30.7826C30.7822 31.4667 31.0502 32.0652 31.3565 32.0652H43.034C43.3403 32.0652 43.6083 31.4667 43.6083 30.7826C43.6083 30.0986 43.3403 29.5 43.034 29.5Z" fill="#003B5C"/> <path d="M43.034 29.5H31.3565C31.0502 29.5 30.7822 30.0986 30.7822 30.7826C30.7822 31.4667 31.0502 32.0652 31.3565 32.0652H43.034C43.3403 32.0652 43.6083 31.4667 43.6083 30.7826C43.6083 30.0986 43.3403 29.5 43.034 29.5Z" fill="#003B5C"/> </svg> </a> </div> <div class="p-20px"> <h3 class="leading-none mpx md:mb-6px text-18"> <a href="/terms/a/assets/" data-track-action="foolcom_evergreen_click" data-source="foolcom_evergreen_click" data-track-category="evergreen_definition_snippet" data-track-link="Asset" > Asset </a> </h3> <div class="leading-tight text-gray-800 mb-0px text-14px">An asset is a resource used to hold or create economic value.</div> </div> </div> </section> <section class="block-image"> <div class="inline-block mx-auto mb-32px"> <img src="https://m.foolcdn.com/media/dubs/images/asset-allocation-infographic.width-880.png" width="880" alt="A graphic explaining asset allocation: The diversification of your retirement account across stocks, bonds and cash." loading="lazy"> <div class="not-italic text-gray-600 text-md">Image source: The Motley Fool</div> </div> </section> <section class="block-paragraph"> <p data-block-key="3kmoq">Save those wild rides for the amusement park. You can increase your wealth and meet your <a href="/retirement/strategies/">retirement goals</a> by following these five best practices for managing your asset allocation.</p><h2 class="toc-target" data-block-key="0w898">1. Asset allocation by age</h2><h2 data-block-key="3ajst">1. Adjust your asset allocation according to your age</h2><p data-block-key="l17eh">When your investment timeline is short, <a href="/terms/s/stock-market-corrections/">market corrections</a> are especially problematic -- both emotionally and financially. Emotionally, your stress level spikes because you had plans to use that money soon, and now some of it is gone. You might even get spooked and sell. And financially, selling your <a href="/terms/s/stock/">stocks</a> at the bottom of the market locks in your losses and puts you at risk of missing the stocks' potential recovery.</p><div class="flex justify-center"> <div class="relative show-ad-label min-w-100 mb-24px pt-24px pb-16px bg-gray-200 border border-gray-200 px-20px grid justify-center" id="articles-incontent1"> <div class="bg-gradient-to-br from-gray-300 to-gray-100" style="width:300px; height:250px;"></div> <script type="text/javascript"> googletag.cmd.push(function() { googletag.display('articles-incontent1'); }); </script> </div> </div><p data-block-key="zw5ip">Adjusting your allocation according to your age helps you to bypass those problems. For example:</p><ul><li data-block-key="v4mpe">You can consider investing heavily in stocks if you're younger than 50 and saving for <a href="/retirement/">retirement</a>. You have plenty of years until you retire and can ride out any current market turbulence.</li><li data-block-key="600sa">As you reach your 50s, consider allocating 60% of your portfolio to <a href="/investing/how-to-invest/stocks/">stocks</a> and 40% to <a href="/terms/b/bonds/">bonds</a>. Adjust those numbers according to your risk tolerance. If risk makes you nervous, decrease the stock percentage and increase the bond percentage.</li><li data-block-key="ogifm">Once you're retired, you may prefer a more conservative allocation of 50% in stocks and 50% in bonds. Again, adjust this ratio based on your risk tolerance.</li><li data-block-key="07mty">Hold any money you'll need within the next five years in cash or investment-grade bonds with varying maturity dates.</li><li data-block-key="to5so">Keep your <a href="/terms/e/emergency-fund/">emergency fund</a> entirely in cash. As is the nature of emergencies, you may need access to this money with just a moment's notice.</li></ul><h2 class="toc-target" data-block-key="l72ym">2. Risk tolerance</h2><h2 data-block-key="tr44">2. Consider your innate risk tolerance, not just your age</h2><p data-block-key="dvk5u">You may have heard of age-based asset allocation guidelines like the Rule of 100 and Rule of 110. The Rule of 100 determines the percentage of stocks you should hold by subtracting your age from 100. If you are 60, for example, the Rule of 100 advises holding 40% of your portfolio in stocks.</p><p data-block-key="y14pb">The Rule of 110 evolved from the Rule of 100 because people are generally living longer. It works the same way, but you subtract your age from 110 instead of 100. </p><p data-block-key="fqjna">These rules attempt to determine your ideal asset allocation solely by your age. But your age and how much time remains until you retire aren't the only factors in play. Your innate <a href="/investing/how-to-invest/risk-tolerance/">risk tolerance</a> can be just as important. Ultimately, diversification across <a href="/terms/a/asset-classes/">asset classes</a> should provide you with peace of mind, regardless of how old you are.</p><p data-block-key="hgk27">If you're 65 or older, already collecting benefits from <a href="/retirement/social-security/">Social Security</a> and seasoned enough to stay cool through market cycles, then go ahead and buy more stocks. If you're 25 and every market correction strikes fear into your heart, then aim for a 50/50 split between stocks and bonds. You won't achieve the highest possible <a href="/investing/how-to-invest/returns/">returns</a>, but you will sleep better at night.</p> </section> <section class="block-pitch"> <div id="foolcom-wagtail-in_line_article_pitch" data-pitch-placement="in_line_article_pitch"></div> </section> <section class="block-paragraph"> <h2 class="toc-target" data-block-key="ak325">3. Stock market conditions</h2><h2 data-block-key="dru3q">3. Don't let stock market conditions dictate your allocation strategy</h2><p data-block-key="omhx7">When the economy is performing well, it's tempting to believe that the stock market will continue to rise forever, and that belief may encourage you to chase higher profits by holding more stocks. This is a mistake. Follow a planned asset allocation strategy precisely because you can't <a href="/investing/how-to-invest/stocks/good-time-to-buy-stocks/">time the market</a> and don't know when a correction is coming. If you let market conditions influence your allocation strategy, then you're not actually following a strategy.</p><h2 class="toc-target" data-block-key="xeff1">4. Diversification</h2><h2 data-block-key="eavid">4. Diversify your holdings within each asset class</h2><p data-block-key="h6pnl">Diversifying across stocks, bonds, and cash is important, but you should also diversify within these asset classes. Here are some ways to do that:</p><div class="flex justify-center"> <div class="relative show-ad-label min-w-100 mb-24px pt-24px pb-16px bg-gray-200 border border-gray-200 px-20px grid justify-center" id="articles-incontent2"> <div class="bg-gradient-to-br from-gray-300 to-gray-100" style="width:300px; height:250px;"></div> <script type="text/javascript"> googletag.cmd.push(function() { googletag.display('articles-incontent2'); }); </script> </div> </div><h3 data-block-key="vq07n">Stocks:</h3><p data-block-key="60pt2">Hold 20 or more individual stocks or invest in <a href="/investing/how-to-invest/mutual-funds/">mutual funds</a> or <a href="/terms/e/etfs/">exchange-traded funds</a> (ETFs). You can diversify your stock holdings by individual company and <a href="/investing/stock-market/market-sectors/">market sector</a>. Utility companies, consumer staples, and <a href="/investing/stock-market/market-sectors/healthcare/">healthcare companies</a> tend to be more stable, while the technology and financial sectors are more reactive to economic cycles. Mutual funds and ETFs are already diversified, which makes them an attractive option when you are working with small dollar amounts.</p><h3 data-block-key="n46fw">Bonds:</h3><p data-block-key="f5muj">Diversify your bond holdings by <a href="/investing/how-to-invest/bonds/">investing in bond funds</a>. Or, vary your holdings across bond maturities, sectors, and types. The different types of bonds available are primarily <a href="/investing/how-to-invest/bonds/municipal-bonds/">municipal</a>, <a href="/investing/how-to-invest/bonds/corporate-bonds/">corporate</a>, and <a href="/investing/how-to-invest/bonds/treasury-bonds/">government bonds</a>.</p><h3 data-block-key="37518">Cash:</h3><p data-block-key="alam8">Cash doesn't lose value like a stock or bond can, so diversifying your cash holdings doesn't necessarily need to be a priority. If you have lots of <a href="/terms/c/cash-is-king/">cash</a>, you might hold it in separate banks so that all of it is FDIC-insured. (The FDIC limit is $250,000 per depositor per bank.) But most people aren't sitting on tons of cash. More realistically, you might diversify how you hold your cash to maximize your <a href="/terms/l/liquidity/">liquidity</a> and interest earnings. For example, you could hold some cash in a liquid savings account and the rest in a less-liquid <a href="/terms/c/certificate-of-deposit/">certificate of deposit</a> (CD) with a higher interest rate than a typical savings account.</p> </section> <section class="block-pitch"> <div id="foolcom-wagtail-foolcom_body_ascent_offers" data-pitch-placement="foolcom_body_ascent_offers"></div> </section> <section class="block-paragraph"> <h2 class="toc-target" data-block-key="dchpp">5. Target-date funds</h2><h2 data-block-key="452cp">5. Invest in a target-date fund that manages asset allocation for you </h2><p data-block-key="csvd4">If you're nodding off just reading about asset allocation, there is another option. You could invest in a <a href="/retirement/strategies/target-date-funds/">target-date fund</a>, which manages asset allocation for you. A target-date fund is a mutual fund that holds multiple asset classes and gradually moves toward a more conservative allocation as the target date approaches. The target date is referenced in the fund's name and denotes the year that you plan to retire. A 2055 fund, for example, is designed for folks who plan to retire in 2055.</p><p data-block-key="06q1y">Target-date funds generally follow allocation best practices. They're diversified across and within asset classes, and the allocation takes your age into account. These funds are also easy to own. You personally don't have to actively manage your allocation or even hold any other assets -- except for the cash in your emergency fund.</p><div class="flex justify-center"> <div class="relative show-ad-label min-w-100 mb-24px pt-24px pb-16px bg-gray-200 border border-gray-200 px-20px grid justify-center" id="articles-incontent3"> <div class="bg-gradient-to-br from-gray-300 to-gray-100" style="width:300px; height:250px;"></div> <script type="text/javascript"> googletag.cmd.push(function() { googletag.display('articles-incontent3'); }); </script> </div> </div><p data-block-key="jjsf6">Even so, there are drawbacks. Target-date funds don't account for your individual risk tolerance or the possibility that your circumstances may change. You might get a big promotion that enables you to retire five years earlier, for example. In that case, you'd want to review the allocations in your portfolio and decide if they still make sense for you.</p> </section> <section class="block-paragraph"> <h2 data-block-key="j4jjl">Related retirement topics</h2> </section> <section class="block-hub_pages"> <div class="gap-24 md:grid md:grid-cols-4 lg:grid-cols-2 xl:grid-cols-4 wagtail-block"> <div class="border border-gray-300 shadow-card mb-24px md:mb-0px"> <a class="block h-full p-16px border-t-4px border-cyan-700 hover:border-cyan-600" href="/retirement/strategies/" data-track-action="foolcom_evergreen_click" data-source="foolcom_evergreen_click" data-track-category="foolcom_evergreen_hub_pages_block" data-track-link="8 Strategies to Save for Retirement" > <h4 class="font-bold text-md"> 8 Strategies to Save for Retirement </h4> <p>You know you need to save for retirement. Here are some strategiess.</p> </a> </div> <div class="border border-gray-300 shadow-card mb-24px md:mb-0px"> <a class="block h-full p-16px border-t-4px border-cyan-700 hover:border-cyan-600" href="/retirement/strategies/withdrawal/" data-track-action="foolcom_evergreen_click" data-source="foolcom_evergreen_click" data-track-category="foolcom_evergreen_hub_pages_block" data-track-link="5 Retirement Withdrawal Strategies: How to Withdraw Funds" > <h4 class="font-bold text-md"> 5 Retirement Withdrawal Strategies: How to Withdraw Funds </h4> <p>It's time to withdraw your hard-earned retirement savings. How do you do it?</p> </a> </div> <div class="border border-gray-300 shadow-card mb-24px md:mb-0px"> <a class="block h-full p-16px border-t-4px border-cyan-700 hover:border-cyan-600" href="/retirement/plans/self-employed/" data-track-action="foolcom_evergreen_click" data-source="foolcom_evergreen_click" data-track-category="foolcom_evergreen_hub_pages_block" data-track-link="Retirement Plans Options for the Self-Employed" > <h4 class="font-bold text-md"> Retirement Plans Options for the Self-Employed </h4> <p>If you work outside traditional employment, there are retirement plans for you.</p> </a> </div> <div class="border border-gray-300 shadow-card mb-24px md:mb-0px"> <a class="block h-full p-16px border-t-4px border-cyan-700 hover:border-cyan-600" href="/retirement/strategies/income/" data-track-action="foolcom_evergreen_click" data-source="foolcom_evergreen_click" data-track-category="foolcom_evergreen_hub_pages_block" data-track-link="8 Best Strategies for Retirement Income" > <h4 class="font-bold text-md"> 8 Best Strategies for Retirement Income </h4> <p>You've worked hard to build a retirement nest egg. Here's how to make the most of it.</p> </a> </div> </div> </section> <section class="block-paragraph"> <h2 data-block-key="msm8p">Make (and follow) your own rules, too</h2><p data-block-key="3oumg">No single approach to asset allocation addresses every scenario perfectly. Carefully consider your risk tolerance and when you plan to retire to establish an approach that works for you. You could also wing it -- but make sure that your seat belt is firmly buckled because it could be a wild ride.</p> </section> <section class="block-pitch"> <div id="foolcom-wagtail-article_pitch" data-pitch-placement="article_pitch"></div> </section> <div class="text-gray-700 border-gray-300 md:border-b-0px text-md border-b-1px mb-32px lg:mb-0px pb-32px lg:pb-0px"> <p data-block-key="egn6m">The Motley Fool has a <a href="https://www.fool.com/legal/fool-disclosure-policy/">disclosure policy</a>.</p> </div> <div class="special-message"> <div class="promoboxAd"> <div data-pitch-placement="promobox" class="promobox-content"></div> </div> </div> </div> <div class="lg:flex lg:flex-col mb-32px"> <div class="mb-60 md:mb-0px"> <div data-pitch-placement="foolcom_sidebar_top"></div> </div> <p class="font-bold uppercase text-md mb-20px text-gray-1100">Related Articles</p> <div class="grid pb-60 md:pb-0px mb-0px md:mb-60 gap-y-12"> <a class="flex items-center hover:text-cyan-800 text-gray-1100 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