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Retirement Portfolio Allocation

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As you transition into retirement, you'll likely need to make some adjustments to your retirement portfolio.

What's the right mix of investments for you?

Stocks can be volatile, offering greater risks and rewards. Cash and fixed income tend to be safer bets, providing more modest returns. While it’s generally recommended that you take on a more conservative investing approach as you reach retirement, it will depend on your own unique circumstances and tolerance for risk.

Use our asset allocation models as guidelines to help you balance your need for income and growth.

Moderate

Moderate asset allocation model. Moderate asset allocation model.
5% 35% 60% Cash Investments Fixed Income Stock 45% U.S. 15% International
5% 35% 60% Cash Investments Fixed Income Stock 45% U.S. 15% International
Performance: 1970–20131
Average Annual Return: 9.8%
Best Year: 30.9%
Worst Year: –20.9%

Consider this if:

  • You are age 60–69
  • You don't need current income
  • You want solid growth with relative stability
  • You can tolerate some fluctuations but considerably less than the overall stock market

Moderately Conservative

Moderately Conservative asset allocation model. Moderately Conservative asset allocation model.
10% 50% 40% Cash Investments Fixed Income Stock 30% U.S. 10% International
10% 50% 40% Cash Investments Fixed Income Stock 30% U.S. 10% International
Performance: 1970–20131
Average Annual Return: 9.1%
Best Year: 27.0%
Worst Year: –12.5%

Consider this if:

  • You are age 70–79
  • You want current income and stability
  • You want some opportunity to increase the value of your investments

Conservative

Conservative asset allocation model. Conservative asset allocation model.
30% 50% 20% Cash Investments Fixed Income Stock 15% U.S. 5% International
30% 50% 20% Cash Investments Fixed Income Stock 15% U.S. 5% International
Performance: 1970–20131
Average Annual Return: 7.9%
Best Year: 22.8%
Worst Year: –4.6%

Consider this if:

  • You are age 80+
  • You want current income and stability
  • You're not concerned about increasing the value of your investments

Compare investments

Get more familiar with your retirement income choices, including the many different types of fixed income and stock offerings that can power your retirement portfolio—from bonds to CDs to mutual funds and more.

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