The textbook rule (100 minus your age in stocks) is outdated. With longer retirements and lower bond yields, modern guidance pushes a higher equity share later in life.
Age, time horizon, risk appetite, and whether a defined-benefit pension sits behind you.
A starting point tailored to age, horizon, risk tolerance and pension backing, not advice.
75% stocks / 20% bonds / 5% cash. Reviewed annually or after a material drift.
Illustrative figures only. Asset allocation depends on goals, time horizon, and tolerance for short-term volatility. For your specific situation, consult a qualified adviser.
Worth turns a target mix into a living plan. Tracks the drift, surfaces the rebalance before it costs you, and accounts for the boring stuff like account location and tax. Join the waitlist.
No, for asset allocation purposes. A primary residence is a consumption asset (you need somewhere to live), not part of the investment portfolio. Investment property is more debatable and often treated as an illiquid alternative allocation. Apply asset allocation to investable financial assets only.
Inside the equity bucket, a common starting point is roughly 60 per cent home country, 30 per cent developed international, 10 per cent emerging markets. Investors in smaller home markets often tilt less home-heavy. A single global equity index fund is a clean default if the choice paralyses you.
It dates from a world of higher bond yields and shorter retirements. Sticking to 100 minus age today leaves many portfolios under-invested for a 30-year retirement. 110 minus age is the modern adjustment, and 120 minus age is reasonable for aggressive investors with strong income.
Once a year, or whenever a bucket drifts more than five points from target. Within tax-sheltered accounts, rebalance freely. In taxable accounts, prefer to rebalance with new contributions to avoid triggering gains.