Version One
Retirement

Optimized for your personal retirement portfolio, Version One uses your age to calculate the optimal asset allocation with a constraint built in to preserve an appropriate equity/debt ratio for the overall portfolio. Utilizing the "110-Age" rule-of-thumb, the model will calculate the equity based component of your portfolio to be no greater than 110 - Your Age. The debt component of your portfolio will be the remaining percentage (100 - Equity Position). As you get older and rerun the tool, the asset allocation adjusts for your change in age.

Download Retirement Model
How Does It Work?

Version Two
Standard

Version Two does not have the built in aging constraint present in Version One. This tool is recommended for investors who want to have a diversified portfolio without the equity/debt ratio constraints present in Version One. This portfolio asset allocation strategy illustrates how to best invest your money outside of a retirement account utilizing the same asset allocation strategy.



Download Standard Model
How Does It Work?