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Allocating assets in retirement pop up

How to allocate assets

As you begin to rely on your investments for income, you may feel most comfortable investing heavily in income-generating bonds and cash. But to stay ahead of inflation over the decades ahead, we suggest that you keep a portion of your savings in growth stocks as well.


How you might allocate your retirement portfolio over time

Allocate no more than 60% of your money to stocks—and potentially less, depending on your circumstances and comfort with risk.

Age Recommended asset allocation Stocks vs. bonds/cash
60–69 Moderate 60% stocks, 40% bonds/cash
70–79 Moderately conservative 40% stocks, 60% bonds/cash
80+ Conservative 20% stocks, 80% bonds/cash

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