MyPlanner Beta: Asset Allocation

MyPlanner tool Asset Allocation

Answer 5 quick questions to discover your risk tolerance and ideal portfolio mix.

Risk Tolerance Questionnaire

Answer all 5 questions, then click Get Allocation.

1. Your investment time horizon

2. How would you react to a 20% market decline?

3. What matters most to you?

4. Your annual income stability

5. What is your primary financial goal?

🔒 My numbers 0 fields

Your financial data synced across all steps.

Life Event Timeline

See how retirement, Social Security, home sale, education, healthcare, Roth conversions, and custom cash events affect your year-by-year cashflow, taxes, withdrawals, and net worth.

Your Allocation

Answer the 5 risk tolerance questions to get your personalized asset allocation.

How to use this tool

What it answers: Which mix of stocks, bonds and cash fits me?

  1. Values start from your plan (Build my plan on the MyPlanner page).
  2. Change anything to try a what-if, then press the blue button to calculate.
  3. Like the result? Click Save to my plan and your timeline uses it too.

How MyPlanner works

  1. Build my plan — you enter your profile once (age, income, savings, Social Security). It is saved in this browser.
  2. Your answer — the Life Event Timeline on the MyPlanner page checks every year of your plan and tells you if your money lasts.
  3. Improve it — up to 3 suggestions you can apply or undo with one click.

The tools (like this one) are optional deep dives on one question. They start from the same profile. If you change a value here, it is only a what-if until you click Save to my plan.

All tools are free for registered users. The full Life Event Timeline, one-click suggestions and saving your plan to your account are part of a paid subscription.

Methodology and assumptions

This tool

  • A short risk questionnaire gives a profile from Conservative to Aggressive. Example fund mixes are illustrations, not recommendations.

Used everywhere in MyPlanner

  • Taxes follow 2026 federal tax law (brackets, standard deduction, extra deduction at 65+), raised with inflation in later years. State tax is the flat rate you enter; Social Security is not taxed by your state unless you choose so.
  • Money is shown in today’s dollars unless a result says “nominal”. Default inflation is 2.5% a year.
  • Default returns: stocks 6.5%, bonds 3.5%, cash 2% a year (about 5.3% for a 60/40 mix), or your own portfolio return. Returns are steady except in the Monte Carlo test.
  • Social Security: your benefit at full retirement age (from your SSA statement, or estimated from your pay with the 2026 formula). Claiming early lowers it; waiting raises it 8% a year until 70. You choose whether to count 100%, about 80% from 2034 (if Congress does not act), or none.
  • Required minimum distributions start at 73 (born 1951–1959) or 75 (born 1960 or later), using the IRS Uniform Lifetime Table.
  • Limits: these are educational estimates, not financial, tax or legal advice. Health-care and long-term-care costs are national averages. Your data stays in this browser.

🔗 Related Calculators

Want to dive deeper into any of these topics? Try our standalone calculators for more detailed analysis:

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Powered by MyPlanIQ. Educational estimates using 2026 tax law and your plan’s assumptions (see Methodology below). Not financial, tax or legal advice.