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Investment Portfolio Calculator

Calculate and project your investment portfolio growth with regular contributions and asset allocation tracking.

Portfolio Details

Increase contributions with raises/inflation

Asset Allocation

Stocks
Bonds
Cash

About Investment Portfolio Planning

Asset Allocation

Asset allocation is the practice of dividing investments among different asset categories to balance risk and reward based on your goals, risk tolerance, and time horizon.

Common Allocation Strategies
  • Aggressive (90/10/0): 90% stocks, 10% bonds, 0% cash - for long-term growth
  • Moderate (70/20/10): 70% stocks, 20% bonds, 10% cash - balanced approach
  • Conservative (40/40/20): 40% stocks, 40% bonds, 20% cash - lower risk
  • Age-Based Rule: Bonds % = your age (e.g., at 30, hold 30% bonds)
Key Investment Principles
  • Dollar-Cost Averaging: Regular contributions reduce timing risk
  • Compound Growth: Returns generate additional returns over time
  • Diversification: Spread risk across different asset types
  • Rebalancing: Periodically adjust to maintain target allocation
  • Long-Term Focus: Stay invested through market volatility
  • Tax Efficiency: Use tax-advantaged accounts when possible
Historical Returns (Average Annual)
  • U.S. Stocks: ~10% (1926-2023)
  • U.S. Bonds: ~5% (1926-2023)
  • Cash/Money Market: ~3% (1926-2023)
  • Inflation: ~3% (1926-2023)
Disclaimer: Past performance does not guarantee future results. This calculator provides estimates based on historical averages. All investments carry risk. Consult with a qualified financial advisor before making investment decisions.

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