Guides

Asset allocation guides

Plain-English explanations of how to split money across stocks, bonds, cash, real estate and gold — without a sales pitch. Every guide is independent: we never recommend specific funds, brokers, or products, and the example numbers come from the samepublished methodology as ourfree calculator.

• What Is Asset Allocation? A Plain-English GuideThe five asset classes, why the mix matters more than picking winners, and how to choose yours.8 min read
• Asset Allocation by Age: Stock & Bond Mix for Your 20s Through 70sTypical stock/bond ranges for every decade, plus a glide path table computed from our own model.9 min read
• Rule of 100, 110 and 120: How Much Should You Hold in Stocks?A live calculator for the age-based rules of thumb, and an honest look at their limits.6 min read
• The 60/40 Portfolio Explained: History, Pros, Cons & AlternativesWhy 60/40 became the default, what 2022 taught us, and when a different mix fits better.7 min read
• 401(k) Asset Allocation: How to Split Your Retirement AccountTarget-date fund or DIY? Sample splits by years to retirement and the mistakes to avoid.8 min read
• How Often Should You Rebalance Your Portfolio? Rules, Thresholds & a Worked ExampleCalendar vs threshold rebalancing, the 5% rule, and a worked example with real numbers.7 min read
• Asset Allocation in India: Equity, Debt & Gold by Age (Including NPS, EPF and PPF)Equity, debt and gold by age — and how EPF, PPF and NPS count toward your mix.8 min read