Stocks
75%
Current mix: 80%
Planning Tools
Planner
Asset Allocation Planner
Turn time horizon, risk comfort, and upcoming cash needs into a practical stock-bond-cash framework, then compare that target with what you hold today.
Investment PlanningPortfolio StructureRebalancing
Allocation Workspace
Suggested mix
Long horizonBalanced risk preference
Target stock / bond / cash mix
75/20/5
A 75/20/5 stock-bond-cash mix is a reasonable starting point for a long horizon with a balanced risk preference.
Bonds
20%
Current mix: 15%
Cash
5%
Current mix: 5%
Review View
Compare the target range, current drift, and review cadence behind the allocation framework.
Target bands
- Stocks
- 70% to 80%
- Bonds
- 15% to 25%
- Cash
- 2% to 8%
- Target mix
- 75/20/5
Why this target appears
The starting mix comes from the time horizon, then adjusts for portfolio purpose, risk comfort, and whether withdrawals may begin within five years.
How to use this tool
Use the framework to clarify portfolio structure.
01
Define the portfolio purpose
Start with the purpose and horizon before reacting to recent market movement. A portfolio designed for retirement income may need a different mix than one designed for long-term wealth building.
02
Compare the current mix
Enter broad stock, bond, and cash percentages. The drift view is most useful when the current allocation totals 100%.
03
Treat the target as a review range
The result is a planning prompt. Rebalancing, tax location, liquidity, costs, and concentrated positions still need portfolio-level review.
About this framework
An allocation framework, not a trade recommendation.
This planner turns a goal, time horizon, risk preference, withdrawal timing, and current allocation into a practical stock-bond-cash review framework.
Treat the target mix as a planning range. Account location, tax exposure, embedded gains, outside assets, liquidity, and concentrated positions can all change the implementation path.
Bring the portfolio structure question into focus.
If the allocation appears off plan, review risk tolerance, cash needs, tax location, account types, embedded gains, concentrated positions, and rebalancing rules with PeakStone.