Asset Allocation Calculator

The old rule — hold your age as a % in bonds — is outdated for most people. With longer lifespans, even retirees need growth. Modern guidance: use a target-date fund or all-in-one ETF aligned to your retirement year. Vanguard's VGRO (80/20) and VBAL (60/40) reflect contemporary thinking.

Single-fund global portfolios that auto-rebalance: VEQT (100% stocks, 0.24%), VGRO (80/20, 0.24%), VBAL (60/40, 0.24%), VCNS (40/60, 0.24%). iShares equivalents: XEQT, XGRO, XBAL. Ideal for investors who want simplicity — buy one ETF and never worry about rebalancing.