Portfolio Allocation (ADHD-Friendly)
Figure out how to divide your investments without analysis paralysis. Simple portfolio allocation for ADHD brains.
You have money to invest, and everyone says diversify. But into what exactly? This calculator breaks it down simply. Enter your total portfolio and pick percentages for stocks, bonds, and cash. See the exact dollar amounts you should have in each. The classic advice: 60% stocks, 30% bonds, 10% cash is a reasonable starting point. Adjust based on how much risk you can handle. More stocks = more growth potential but more volatility. More bonds = more stability but less growth. Get your allocation, then actually do it instead of endlessly researching.
Calculator
Common use cases
- Breaking through analysis paralysis on investing
- Getting specific dollar amounts instead of percentages
- Simple starting point for portfolio construction
- Making investment decisions without endless research
How to use
- Enter your total portfolio value
- Set your desired stock allocation percentage
- Set your bond allocation percentage
- Set your cash allocation percentage
- Ensure allocations sum to 100%
FAQ
What allocation is right for me?
Common rule: subtract your age from 100 for stock percentage. Aggressive investors may hold more stocks; conservative investors more bonds.
How often should I rebalance?
Annually or when allocations drift 5%+ from targets. Avoid over-trading due to tax implications.
What about alternative investments?
Real estate, commodities, and alternatives can provide diversification. Consider them as part of your overall stock allocation.
What allocation should I use?
A common starting point: subtract your age from 100 for stock percentage. 30 years old = 70% stocks. Adjust for your risk tolerance.
This calculator provides illustrative estimates for planning purposes only and does not constitute financial, tax, or legal advice.