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Kiplinger
Kiplinger
Business
Feroz Ansari, CFP®

Longevity Disrupts Asset Allocation Rules: Here's How to Think About the Right Stock-Bond Split for You

Bonds
(Image credit: Getty Images)

Is your stock-bond mix driven primarily by your age? If so, it may be worth reconsidering.

Most investors are taught that age determines asset mix. Formulas such as "100 minus your age" (or the newer cousin "120 minus your age") promise a quick answer to how much you should have in stocks vs bonds. Using 100 minus age, if someone is 55 years old, they should have 45% in stocks and 55% in bonds.

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