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Updated year criteria 2026
Risk-based Allocation Calculator
The Risk-based Allocation Calculator estimates a date and calendar estimate for your scenario from the quantities, rates, period, units and other assumptions requested on the page. Replace the example values with your own risk based allocation figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.
Calculate the proportion of equities and debt securities appropriate to your age and risk profile with recommended 3 level of caution / medium / rigid
Calculation results
The recommended shareholding.
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The recommended ratio of debt.
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Compare both 3 Risk Profiles.
Risk Profile
Shares (%)
Debt (%)
The amount of shares.
How to calculate portfolio allocation by risk
This calculator uses a formula adjusted from the rule "100 delete age" divided by the Risk Profile as follows:
Caution: Shares = max(20, 100 − age − 10)% Maximum 90%
Center: Shares = max(30, 110 − age)% max 90%
STRONG: Shares = max(50, 120 − age)% max 90%
Debt = 100% − share ratio
Frequently asked questions
What is a risk profile and how many types are there?
The risk profile is the level of ability and willingness to take risk in investments. It is divided into 3 main types: Conservative — accepting low losses and focusing on maintaining the capital; Moderate — accepting moderate volatility for better returns; Aggressive — accepting high volatility for maximum long-term returns.
What is the Rule of 100 minus age (100 minus your age)?
The 100 rule is a simple heuristic for finding the share ratio. For example, age 30 years: shares 70%, debt 30% Some adjust to 110 or 120.
How does the duration of the investment affect the allocation of the portfolio?
The longer the investment period, the more risk-taking stocks are available, as there is time to recover from the market downturn. Short-term investors (below 3 years) should reduce their shareholdings, while long-term investors (over 10 years) can hold a large shareholding.
What does a debt in the portfolio mean?
Debt securities in the investment portfolio mean fixed-interest assets like government bonds, corporate bonds, debt funds and regular deposits that provide lower returns than equities but less volatility, suitable for creating stability in the portfolio.
Check before using results
Summary before deciding
This calculation result is suitable for preliminary planning. Actual figures should be checked from documents or official sources before making important decisions.
The calculation is based on the information you enter on this page.
Special cases may require additional information.
It is recommended to record or compare the results with the related tools below.
Disclaimer: The results of the calculations are only indicative and are not financial advice. Consider personal factors and consult a financial advisor before making any decision.
English calculator guide
How to use the Risk-based Allocation Calculator
Use this page to test a specific risk based allocation scenario. Enter your own values in the calculator above, review the units beside each field, and recalculate after changing an assumption. The result updates the risk-based allocation estimate instead of relying on a generic example.
Build a baseline risk based allocation case with figures that match your situation.
Run a second risk based allocation case after changing the rate, period, quantity or other key assumption.
Record the difference between the two risk based allocation results and the input responsible for it.
Inputs for the risk based allocation estimate
For this risk based allocation calculation, check the quantities, rates, period, units and other assumptions requested on the page. The result is designed to show a date and calendar estimate for your scenario, not a guaranteed provider price or official decision.
How the risk based allocation result is calculated
The calculator compares the selected dates using calendar-based intervals and the date rules shown on the page. Reusing the same risk based allocation inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a risk based allocation decision
Confirm any current rate, threshold or provider rule that could change the final amount. For risk based allocation, Use the result as a planning estimate and confirm any rate, rule or threshold that may have changed before acting. Check the important inputs and any current provider or authority rules before using the result for a decision.
Language QA
Terminology, numeric values and calculator controls checked
Review formula structure, test cases, data sources, effective dates, and risk language accordingly.How to check our · There is no claim that an outside professional reviewed it. Unless the page directly states the name and qualifications. This content is therefore not individual advice.
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