Age-based asset allocation aligns portfolio risk with your time horizon and financial goals. Use these 2025 model portfolios as a starting point, then personalize.
Glidepath Basics
Generally, the share of stocks decreases as you approach retirement, while bonds and cash increase to lower volatility and sequence-of-returns risk.
Sample Model Portfolios
| Stage | Stocks | Bonds | Cash/Alts |
|---|---|---|---|
| 20s–30s | 85–95% | 5–15% | 0–5% |
| 40s | 70–85% | 15–30% | 0–5% |
| 50s | 55–70% | 25–40% | 5–10% |
| 60s | 40–55% | 35–55% | 5–10% |
| Retirement | 30–45% | 45–65% | 5–10% |
Rebalancing
Rebalance annually or when allocations drift beyond bands (e.g., ±5%). Use new contributions to minimize taxes and trading costs.
Customize for You
- Consider pension/Social Security as bond-like income.
- Integrate HSA and 529 goals if applicable.
- Stress test with Monte Carlo or historical returns.
Plan your target mix with Vine's Wealth Tracking and explore Retirement Planning strategies.
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