Retirement Accumulation Calculator. The team at Model Investing includes finance professionals, data scientists and software engineers dedicated to helping you make more intelligent investment decisions. The Asset Allocation Calculator is designed to help create a balanced portfolio of investments. In the end, you'll be making a very personal choice. The reason is simple: over time, your ideal portfolio gets out of whack because some investments do better than others. The City of Seattle Employees' Retirement Office has two major functions: administration of retirement benefits and management of the assets of the Retirement Fund. You can also use the American Funds asset allocation models as a guide when choosing your investments. Setting an asset allocation based on your age is a smart way to start planning for your retirement or building wealth. The idea behind asset allocation is to offset any losses in one class with gains in another, and thus reduce the overall risk of the portfolio. Calculate the additional corpus needed for retirement Once you calculate the total retirement corpus needed at 60 and how much your existing corpus will grow by 60, computing the additional corpus required is easy. As we’re living longer, however, we need to earn bigger returns to make our money last in a longer retirement, so that rule could be subtract your age from 110 or even 120. COAERS asset allocation information for the City of Austin Employees Retirement System. For the purpose of this article, we've selected the Retirement Income Planner calculator. There are two sides to the retirement planning equation - saving and spending. Rowe Price fund or portfolio of T. This is only meant to be a guide. Investment calculators & tools. The asset allocation is designed to help you create a balanced portfolio of investments. Achieving the Ideal Retirement—Part 3: Maintaining Appropriate Asset Allocation County of Los Angeles Deferred Compensation and Thrift Plan Third Quarter 2012 • 1 Part 1 of this series discussed how focusing on the regular retirement income stream you’ll need—versus the lump sum you need to save—can be a smarter, more practical approach. But the typical household nearing retirement has less than $100,000 in savings. Reprinted courtesy of MarketWatch. If an investor plans to retire significantly earlier or later than age 65, the funds may not be an appropriate investment even if the investor is retiring on or near the target date. Advisorkhoj is a comprehensive source of Investment Knowledge, Financial Planning, Mutual Funds Research and helps Investors in wealth creation. Our comprehensive calculators and tools can help you make smarter, more-informed decisions. Asset Allocation Calculator The asset allocation is designed to help you create a balanced portfolio of investments. Rowe Price funds based on your investment goals, time horizon, and risk tolerance. History shows that your success can vary widely using the same portfolio and the same overall withdrawal rate, without changing your investments. Use our retirement calculator to determine if you will have enough money to enjoy a happy and secure retirement. My Own Asset Allocation for Retirement. When dollar cost averaging out of an investment, volatility does the same thing–it reduces average share price. equities of both the large cap and small cap type (stocks or stock index funds), international equities, and fixed income (cash, certificates of deposits, and bonds). Even for households with substantial financial assets, asset allocation is less important than one would expect. Asset Allocation Tool. You want to use a calculator that is powerful, accurate, and assesses your actual situation and investments. The asset allocation that you select is one of the most important investing decisions you’ll ever make, so no pressure! Asset allocation is known to determine about 90% of what happens to your investments!!. , a registered investment adviser, and its investment adviser representatives is available at adviserinfo. My Own Asset Allocation for Retirement. In other words, each is made up of the combination of the five individual TSP funds (G, F, C, S, and I) that maintains an optimal balance of investment risks and rewards for a particular time horizon. Once you have made this portfolio you just need to rebalance it at pre-decided date. For a given financial goal, how do I determine the asset allocation? That is, how do I decide the amount of equity exposure and therefore, fixed income or debt exposure? Let us try and discuss this and use a calculator to see how different asset allocations will affect the future corpus intended. Portfolio Analysis—Model asset allocation. Get access to insight-driven wealth management services and free online financial management tools. Age, ability to tolerate risk, and several other factors are used to calculate a desirable mix of. Many financial experts suggest reevaluating your asset allocation periodically or whenever you experience a milestone event in your life such as marriage, the birth of a child, or retirement. An individualized asset allocation strategy seeks to mitigate the risks of any one asset class though diversification and balance. The first question it asks is what you're saving for, such as retirement, education, or a first home. The idea behind asset allocation is to offset any losses in one class with gains in another, and thus reduce the overall risk of the portfolio. 401k Save the Max Calculator; Retirement Savings Analysis; Retirement Income Analysis; Traditional IRA vs Roth IRA; Required Minimum Distribution; Social Security Estimator; Asset Allocation Calculator; Retirement Calculator. Create your Retirement Income Plan. Get familiar with the tool inside. Step 1 of 4: QUESTIONNAIRE. Fund Composition. Compare Investment Fees: Even a small difference in the fees you pay on your investments can add up over time. Last week, I discussed the pros and cons of a rising equity glide path approach to asset allocation in retirement. Founded in 2003, Egan Berger & Weiner (EBW) is an independent financial planning firm. Asset Allocation. With more years in retirement, your money will need to last longer and work harder. How much would I need to save each month? Insurance vs. It’s important to remember that asset allocation is an approach to help manage investment risk. In your Retirement Plan, your investments need to be rebalanced to reflect the right asset allocation for the goal's reducing time horizon. View and compare portfolio asset allocation calculator on Yahoo Finance. Several things set this calculator apart: A balance sheet approach - asset allocation can't be performed in isolation, but must be performed by taking into account the presence and size of Social Security, Pensions, 401(k)'s, income annuities, and home equity. BlackRock Asset Management. 36 of the Seattle Municipal. equities, real estate and private - equity. With that in mind, here are six best practices for asset allocation in retirement. • Pre-Retirement Asset Allocation • Post-Retirement Asset Allocation • Current retirement contributions/savings (401k, IRA's, Other Investments) • Inflation • Retirement Spending • Retirement Income (Social security, Pensions, Retirement Income Tax) Mac Compatible - Works with all versions of Excel for Macintosh. Compare your current portfolio allocation to the ideal target allocation designed to minimize risk and maximize returns to meet your financial goals. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. One of the main benefits of an asset allocation strategy is takes a lot of the emotion and guesswork out of investing. In particular, he recommended that retirees maintain a stock allocation of 50-75%, writing, "I think it is appropriate to advise the client to accept a stock allocation as close to 75 percent as possible, and in no cases less than 50 percent. If 70% of the funds are in stocks and 30% are in bonds, then your asset allocation is 70:30, stocks to bonds. You also have the option of printing a report based on your inputs. It's a good rule of thumb to review your asset allocation every six months. Here are a few things to consider about deciding on your asset allocation retirement. Maintaining the proper asset allocation over time is one of the three keys to investing success over the long term. Let asset allocation help keep you saving. ASSET ISSUES The saving rate, diversification and asset allocation are the investment trifecta for a comfortable retirement. Less than half of working investors know how much they should save for retirement. Stay on track. It will naturally change as your time horizon shrinks or your risk tolerance evolves. I've done new research into the best retirement withdrawal strategies. Retirement income estimator Calculate retirement income. Asset allocation is dynamic. Find several Morningstar tools to help with portfolio construction and analysis as well as comprehensive retirement-planning tools. Travis Barker, QKA, TGPC SENIOR PLAN COMPLIANCE ANALYST. If the market drops or corrections occur early in retirement, the portfolio may be unable to provide the necessary income for the lifestyle desired, or the portfolio may simply run out of money too soon. Learn about the process of allocation in Spreading Your Assets Around. If you plan to retire early, should you follow the same asset allocation pattern as most other investors? Probably not. Allocation is about finding the right mix of asset classes to match your goals, given your age, the amount you have to invest, and your risk tolerance. Asset Allocation Questionnaire 3. The idea behind asset allocation is to offset any losses in one class with gains in another, and thus reduce the overall risk of the portfolio. View and compare portfolio asset allocation calculator on Yahoo Finance. This MoneySense. The 10X default glide path automatically matches the investment portfolio's asset allocation to your assumed retirement age. These asset classes have different risk profiles and potential returns. Your retirement goal's portfolio has a specific allocation of stocks and bonds. Current Investment Portfolio Overview September 19, 2012 William Yee From CalSTRS investment portfolio, the asset allocation mix for the period ending September 30, 2019. Investing is one way to meet your financial goals faster than simply by working and saving – but it comes with plenty of risk. Asset allocation isn't about picking individual securities. The Problem with This Type of Strategic Asset Allocation. For a given financial goal, how do I determine the asset allocation? That is, how do I decide the amount of equity exposure and therefore, fixed income or debt exposure? Let us try and discuss this and use a calculator to see how different asset allocations will affect the future corpus intended. Receive free guidance - Whether your goals are general investing, retirement or college, use Investment Planner to: Complete your Investing Profile and evaluate your tolerance for risk; Receive an asset allocation and compatible American Century Investments fund option for each of your goals. The Iowa Public Employee Retirement System Asset Allocation Calculator lets you use sliders to adjust seven different variables. How you invest across stocks, bonds and cash—your asset allocation—is one of the keys to long-term success. Asset allocation refers to the investment strategy of balancing risk and reward by determining what percentage of your portfolio or net worth to put into various asset classes. Rowe Price fund or portfolio of T. However these tools should be treated as a vague guide only. Information and interactive calculators are made available to you as self-help tools for your independent use and do not constitute investment advice. Individual Strategy. He has no liabilities. The optimal retirement problem is a free boundary problem, and we identify a utility maximizing formulation that captures the feedback effects of optimal retirement decisions on valuation and allocation using nu-merical techniques. The asset allocation that you select is one of the most important investing decisions you’ll ever make, so no pressure! Asset allocation is known to determine about 90% of what happens to your investments!!. Don't let retirement savings statistics get you down. Investors should periodically re-evaluate their asset allocation throughout their investing career. Once you calculate your asset allocation, you should be able to forget about it for some time. Bonds don’t pay and stocks don’t climb straight up anymore. Asset allocation in retirement is on the minds of many aging boomers. For centuries, investors used the amortization algorithm—the same formula used to calculate mortgages. Our asset allocation models can be found here:. comfort level with market risks. Asset Allocation Analyzer. The key to asset allocation is choosing a mix that is (1) comfortable for your risk tolerance and (2) will meet your income needs during your retirement years. A second approach to dynamic asset allocation is to use valuation-based asset allocation. More tools at BlackRock. The best you can do is to develop a solid plan based on the information you have now. Setting an asset allocation based on your age is a smart way to start planning for your retirement or building wealth. Several things set this calculator apart: A balance sheet approach - asset allocation can't be performed in isolation, but must be performed by taking into account the presence and size of Social Security, Pensions, 401(k)'s, income annuities, and home equity. For a more accurate picture of where you stand, use our retirement savings calculator. Asset Allocation Portfolios Figures are based on a recent allocation, and are subject to change. Bank Rate's asset allocation calculator - input your age, asset, savings per year, and a few more things to see the recommended asset allocation. Asset Allocation. In other words, each is made up of the combination of the five individual TSP funds (G, F, C, S, and I) that maintains an optimal balance of investment risks and rewards for a particular time horizon. Periodically re-balancing keeps one's asset allocation (and exposure to risk) in a comfortable range, and works best when all investment accounts are treated as part of a single portfolio. It’s important to remember that asset allocation is an approach to help manage investment risk. The reason is simple: over time, your ideal portfolio gets out of whack because some investments do better than others. The investor questionnaire suggests an asset allocation based on your answers to questions about your investment objectives and experience, time horizon, risk tolerance, and financial situation. Your asset allocation is based on factors specific to YOU. Examining risk tolerance, investment goals, and a number of years to retirement are important for figuring out the correct asset allocation for you. This risk profile is a sample only. The asset allocation is designed to help you create a balanced portfolio of investments. The following charts show the market value of each item as of the end of each fiscal year. Asset Allocation. I've tried a bunch of the asset allocation calculators and have a problem with answering the question of when you need to access the money. This article explains the provisions. SmartMoney - Input your info and see their asset allocation recommendation. Retirement Planning Calculator. The biggest job facing any investor is managing risk. Fund Composition. Changing your asset mix over time. Future value calculator. Remember, asset allocation isn't a “set it and forget it" proposition. Once you have made this portfolio you just need to rebalance it at pre-decided date. Find the combination of global stocks and bonds that meets your goals for diversification, opportunity, and risk. You need dependable income in retirement that lasts for your lifetime. Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash. Asset allocation, however, is principally concerned with allocating capital into different asset classes. Asset allocation portfolios are a great way to get diversified exposure to financial markets in a single step. Asset Allocation. Different Asset Allocations. This spreadsheet was a precursor to the online retirement planning tool and contains a basic simulation framework with some visual basic code that may be helpful if you're interested in developing spreadsheet based simulations in visual basic. In your Retirement Plan, your investments need to be rebalanced to reflect the right asset allocation for the goal's reducing time horizon. The calculated asset allocation is a great place to start your analysis in building a balanced portfolio. These asset classes have different risk profiles and potential returns. Last week, I discussed the pros and cons of a rising equity glide path approach to asset allocation in retirement. To see dollar allocation, move your cursor over each slice. Get some professional help. Asset Allocation Analyzer. Rowe Price Retirement Income Calculator Estimate your current asset allocation and your projected allocation in retirement by using the sliders. Jason Notte. Once you have learnt the calculations, you may play around the figures and assumptions to calculate your desired retirement corpus. How much would I need to save each month? Insurance vs. For centuries, investors used the amortization algorithm—the same formula used to calculate mortgages. It also assumes you'll have your portfolio through the end of your retirement. I don’t think you’ll find much support for that practice here. Investors should periodically re-evaluate their asset allocation throughout their investing career. We are pleased to announce the 2019 Investment Section Asset Allocation Contests (collectively "Contests;" individually "Contest"). * Will you have enough money saved for retirement? Although it may seem intimidating, creating a realistic estimate of where you stand today can help you get where you want to be tomorrow. The idea behind asset allocation is to offset any losses in one class with gains in another, and thus reduce the overall risk of the portfolio. Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash. As your financial goals and needs change, you will likely want to review – and possibly change – your asset mix. This gives our customers the opportunity to benefit as market conditions change. Asset Allocation Programs. Asset Allocation Questionnaire 3. Asset Allocation Asset allocation is considered one of the most important factors in determining your return on investments over time. 104 Dean Street, Suite 203, Taunton, MA 02780. Learn about the process of allocation in Spreading Your Assets Around. Retirement planner Risk and return objectives and asset allocation. Each asset class has a different level of risk and potential return. This high-fidelity personal financial model gives you a complete and accurate picture of your spending, saving, investing, and path to retirement!. You’ll need to set up your asset allocation to reflect your risk tolerance, financial goals, and timeline. Asset allocation is the starting point and an essential component of the investment process that is designed to create a well-diversified portfolio. Is Your Retirement On Track? - Earn Double Points En español | The AARP Retirement Calculator can provide you with a personalized snapshot of what your financial future might look like. This will recommend a benefit portion for you across different asset classes based on your risk profile. In the end, you'll be making a very personal choice. The reason is simple: over time, your ideal portfolio gets out of whack because some investments do better than others. The calculated asset allocation is a great place to start your analysis in building a balanced portfolio. Each investor’s portfolio must be constructed based on the individual’s financial resources, investment goals, risk tolerance, investing time horizon, tax situation and other relevant factors. It considers factors such as your risk comfort level, goals, and age to give you a tailored guideline for the ideal mix of investments. Then try making a few changes to view the impact on your results. Investment calculators & tools. These asset classes have different risk profiles and potential returns. The younger you are, the more risk you are likely able to handle , because you have many years to recover from severe losses. Whether you are just getting started, considering your last day on the job, or currently retired, we are here to partner with you to make smart decisions with your money. When do you anticipate taking regular cash. In retirement, the asset allocation and fund level recommendations may differ if you plan to spend more or less than the target retirement income in your selected strategy. Instead of a fixed asset allocation of debt and equity up to retirement, the user can (typically) gradually. For up to date commentary and information on performance, asset allocation and investment managers for MLC's funds, visit the Fund Profile Tool. The proper asset allocation for your situation may differ. This will recommend a benefit portion for you across different asset classes based on your risk profile. Model Investing is at the leading edge of a shift in investment philosophy and approach. This asset allocation calculator contains an automated risk tolerance questionnaire, which can help you determine a possible allocation of stocks, bonds, and cash for your investment portfolio. If the market drops or corrections occur early in retirement, the portfolio may be unable to provide the necessary income for the lifestyle desired, or the portfolio may simply run out of money too soon. Asset allocation strategy 101. Asset allocation seeks to manage investment risk by diversifying a portfolio among the major asset classes, such as stocks, bonds, and cash alternatives. But how do you know know what to choose? Nothing affects your long-term returns more than a good asset allocation plan. Moreover, even for many with substantial assets, these non-financial levers may be as powerful as asset allocation in attaining retirement security. equities into other growth assets such as nonU. In particular, he recommended that retirees maintain a stock allocation of 50-75%, writing, “I think it is appropriate to advise the client to accept a stock allocation as close to 75 percent as possible, and in no cases less than 50 percent. Results may vary with each use and over time. Price-Yield Calculator: Calculate the estimated yield or price of a bond, including accrued interest, invoice price, yield-to-maturity, and yield-to-call. What is asset allocation and how does it differ from person to person? Asset allocation defines how well you distribute your funds among your investment tools. Individual Strategy. equities, real estate and private - equity. Risk Assessment. What About Investing for Retirement Income?. Reprinted courtesy of MarketWatch. powered by Microsoft News. The Iowa Public Employee Retirement System Asset Allocation Calculator lets you use sliders to adjust seven different variables. An asset retirement obligation (ARO) is a liability associated with the eventual retirement of a fixed asset. If you're not sure whether your investment style is conservative, moderate or aggressive, we can help you determine which portfolio model may be right for you. Asset allocation can help you align your investments with your retirement goals and maintain a balanced portfolio as your financial goals and risk tolerance change over time. More tools at BlackRock. At any given time, while one asset category may be increasing in value, another may be decreasing in value. Notice that at no time have I mentioned choosing an allocation based on what the market is expected to do. When putting together an actual plan, there would be plenty of factors to consider before making such a radical change to the asset allocation. People today are living longer than ever before. com – These days it pays to be smart about money. Access Now. Investment Calculators Asset Allocation. Your actual needs may vary depending on factors such as your life expectancy, future health and retirement lifestyle. Know your Risk Tolerance and Asset Allocation Before the Sky Falls. So if you’re 25, 100-25 is 75 and you would have 75% stocks in your portfolio. When you are trying to decide on your asset allocation during retirement, there are several factors that you are going to need to look at. In applying any one of the profiles to your individual situation, you also should consider your other assets, income, and investments (including home equity, savings accounts, and other retirement plans), as well as your needs, goals and aversion to risk. bonds (such as the classic 60/40 portfolio) may be at risk — because if interest rates rise, bond returns will likely be far lower. Remember, asset allocation isn't a “set it and forget it" proposition. Once you have made this portfolio you just need to rebalance it at pre-decided date. A typical balanced asset allocation is 40% fixed income and 60% equities. ‘S’ retired last year. Test a hypothetical trade to see how it affects your portfolio's asset allocation. If after one of the many 500-point down days you dread. The idea behind asset allocation is to offset any losses in one class with gains in another, and thus reduce the overall risk of the portfolio. FASB Statement no. For most investors, a smart approach to asset allocation is a lot more important than individual stock selection. Age, ability to tolerate risk, and several other factors are used to calculate a desirable mix of. It also assumes you'll have your portfolio through the end of your retirement. Reprinted courtesy of MarketWatch. Once you find the perfect portfolio allocation to follow, make sure you check out our resource on maintaining proper asset allocation across multiple accounts. To read the original article click here. May 09, 2017 · Last week, I discussed the pros and cons of a rising equity glide path approach to asset allocation in retirement. Savings, retirement, investing, mortgage, tax, credit, affordability? Can do. The Otar Retirement Calculator does! The Otar Retirement Calculator is based on actual market data. If you plan to purchase a guaranteed income via an annuity you will need to change your asset allocation as you approach retirement. State law gives responsibility for the investment of PERA’s funds to the PERA Board of Trustees. A retirement calculator can help you see how you are doing so far and what you need to change to make your retirement goals. , home equity, Social Security benefits, savings accounts, and interests in other qualified and nonqualified plans) in addition to any investments in your plan(s) or IRA(s). On the other end of the spectrum, a conservative investor set to retire in five years might own only a handful of stocks, with the bulk of his asset allocation represented by cash and short-term bonds. Keep in mind that asset allocation does not ensure a profit or protect against a loss. The typical argument for both sides of the retirement stocks bonds mix is in question, thanks to those low yields and the recent experience of the 2008-2009 crash. People today are living longer than ever before. Asset Allocation The Best Retirement Calculator. The settings on this tool are the same as our Advanced Rotation Tool. Use this calculator to see how different fees impact your investment strategy!. The perfect allocation will only be known in hindsight. There are an infinite number of asset allocation models that you might hear about or find on the internet. Specifically I reviewed the long term investment returns you would have achieved by investing in the three basic asset classes of stocks, bonds, and bills. Asset allocation is a common strategy that you can use to construct an investment portfolio. These asset classes have different risk profiles and potential returns. Taxable Fund. Social Security Is Not an Asset. In addition to charting a suit-able investment strategy, retirees need to consider estate planning issues, health insurance. With the information you've provided, an accurate response to your post is not professionally possible. This calculator does not include a questionnaire on risk tolerance (your psychological ability to stomach investment losses). Access Now. Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash. These asset classes have different risk profiles and potential returns. Static Asset Allocation Funds. Asset allocation refers to the mix of assets held in a portfolio. Rowe Price funds based on your investment goals, time horizon, and risk tolerance. Our asset allocation models can be found here:. But there is no one-size-fits-all strategy. Asset allocation is the process of selecting a mix of asset classes that closely matches an investor’s financial profile in terms of their investment preferences and tolerance for risk. The key to smart retirement investing is having the right mix of stocks, bonds and cash. Each asset class has a different level of risk and potential return. Currently, because I have been willing to take a bit more risk, my asset allocation looks more like 70/30. Most people can't afford much volatility in the value of their portfolio so close to retirement. Asset allocation calculator – Fun to play with and a friendly introduction to asset allocation ideas. Take control of your finances with Personal Capital. In applying any one of the profiles to your individual situation, you also should consider your other assets, income, and investments (including home equity, savings accounts, and other retirement plans), as well as your needs, goals and aversion to risk. Investors should periodically re-evaluate their asset allocation throughout their investing career. This early retirement calculator / visualizer is designed to project the number of years until you can retire, based upon a few key inputs such as annual income and spending, income growth rate, expected annual spending in retirement and asset allocation. July 31, 2019. Use our Retirement Savings Calculator to see where you stand today and what to do next. Asset Allocator Calculator Overview. In your Retirement Plan, your investments need to be rebalanced to reflect the right asset allocation for the goal's reducing time horizon. This Monte Carlo simulation tool provides a means to test long term expected portfolio growth and portfolio survival based on withdrawals, e. So, asset allocation is dead, right? Nope, it just grew up. The first thing I'd ask you for after I knew all of the financial resources you bring to the. State law gives responsibility for the investment of PERA’s funds to the PERA Board of Trustees. Your actual needs may vary depending on factors such as your life expectancy, future health and retirement lifestyle. The asset allocation is designed to help you create a balanced portfolio of investments. The calculator instantaneously displays a resulting allocation. This asset allocation distinguishes between pretax funds in say a 401(k) and the generally after-tax funds in a taxable account. Information and interactive calculators are made available to you as self-help tools for your independent use and do not constitute investment advice. Medicare Eligibility Calculator. Putnam has a team experienced in asset allocation. To read the original article click here. Importance of asset allocation funds. Instead of a fixed asset allocation of debt and equity up to retirement, the user can (typically) gradually. There are no assumptions of average growth or inflation. Investment calculators & tools. The Retirement Income Planner, Retirement Quick Check, and Portfolio Review tools have all been combined into the new Planning & Guidance Center experience. The answer from all three exercises is the same: the focus on asset allocation is misplaced. Asset allocation is the process of dividing your money among stocks, bonds and cash. The importance of asset allocation Only two out of four elements are important when designing a portfolio. As your financial goals and needs change, you will likely want to review – and possibly change – your asset mix. Where Tactical Asset Allocation is different from SAA is that Tactical allows from some movement or range within each asset class. ) has become so widely accepted that many large investment companies have produced target date mutual funds that coincide with multiple retirement dates. Such funds, typically, invest in three asset classes with a minimum of 10 percent allocation required for every class. TIAA Retirement Advisor Data, Assumptions, and Methodology: TIAA Retirement Advisor is appropriate for investors of all experience levels. Asset Allocation Analyzer. Clear up some of the fog around planning for a retirement that's years ahead. The calculated asset allocation is a great place to start your analysis in building a balanced portfolio. The younger you are, the more risk you are likely able to handle , because you have many years to recover from severe losses. SCERS, through its investment consultant, conducts an asset allocation study at least every five years. For up to date commentary and information on performance, asset allocation and investment managers for MLC's funds, visit the Fund Profile Tool. The idea behind asset allocation is to offset any losses in one class with gains in another, and thus reduce the overall risk of the portfolio. The Asset Allocation Calculator from 7 17 Credit Union can help you find the mix of investments that will help you reach your savings goals. The Retirement Income Planner, Retirement Quick Check, and Portfolio Review tools have all been combined into the new Planning & Guidance Center experience. Know your Risk Tolerance and Asset Allocation Before the Sky Falls. The calculator bases its allocation recommendation on your answers to six different measures of risk contained in the quiz. Upcoming Events. From Simply Smart Insights contributor Zachary D. What is Asset Allocation. Your age, ability to tolerate risk and several other factors are used to calculate a desirable mix of stocks, bonds and cash. Fund Composition. In particular, he recommended that retirees maintain a stock allocation of 50-75%, writing, “I think it is appropriate to advise the client to accept a stock allocation as close to 75 percent as possible, and in no cases less than 50 percent. Examples include a calculator for 401(k) contributions, 401(k) with Roth IRA, 403(b), Retirement Planner, Social Security Benefits, Asset Allocation, and many more. And you want the most spendable income after you pay taxes. The calculated asset allocation is a great place to start your analysis in building a balanced portfolio.