Retirement Asset Allocation & Glide Path
Balance growth and safety. Increase stability as retirement approaches.
Age-based mixRebalanceRisk-aware
Illustrative Glide Path
| Age | Equity | Debt | Gold/Alts |
|---|---|---|---|
| 30 | 70–80% | 15–25% | 0–10% |
| 40 | 60–70% | 25–35% | 0–10% |
| 50 | 45–60% | 35–50% | 5–10% |
| 55–60 | 30–45% | 45–60% | 5–10% |
Rules of Thumb
- Rebalance annually or when allocation drifts >5%.
- Shift 5–10% from equity to debt each year in the last 5–7 years.
- Keep a cash bucket for 12–24 months of expenses.
Education only; not investment advice. Assumptions are illustrative and can change with markets and regulation.