Financial literacy education for the modern era.
AssetAllocation
The strategic distribution of investments across different asset classes to balance risk and reward according to your goals, time horizon, and risk tolerance.
Build Your Portfolio
Higher growth potential, higher volatility
Stable income, lower risk
Inflation hedge, diversification
Liquidity, stability (auto-calculated)
Balanced growth with moderate risk
Classic Portfolio Models
Key Principles
Diversification
Spreading investments across different asset classes reduces risk without necessarily reducing returns. It's often called the only 'free lunch' in investing.
Time Horizon
Your investment timeline should guide your allocation. Longer horizons can handle more volatility, while shorter ones need more stability.
Rebalancing
Periodically adjusting your portfolio back to target allocations helps maintain your intended risk level and can improve long-term returns.
Age-Based Allocation
A common rule: subtract your age from 110 to get your stock percentage. A 30-year-old might hold 80% stocks, while a 60-year-old might hold 50%.