Portfolio allocation
Start from a conservative, balanced, or growth preset and adjust the split across cash, bonds, equities, alternatives, and digital assets. The chart normalises to 100% automatically so you can iterate freely.
10%
30%
45%
10%
5%
Slider total: 100%
- Cash & equivalents10.0%
- Bonds30.0%
- Equities45.0%
- Alternatives (real estate, gold)10.0%
- Digital assets5.0%
Assumptions & units
- Each slider is a target weight in percentage points (0–100), clamped to that range.
- If sliders do not sum to 100%, the chart and legend renormalise proportionally (weight ÷ total × 100).
- Categories are indicative asset classes, not specific instruments; no returns, correlations or risk metrics are modelled.
- Presets (Conservative / Balanced / Growth) are illustrative reference splits, not a personal recommendation.
How this calculator works
Presets follow textbook rules of thumb: more bonds and cash for conservative, more equities and alternatives for growth. They're a starting point, not a recommendation.
The chart normalises whatever sliders you set to 100%, so you can move one lever without having to rebalance every other slider yourself.
Figures are illustrative only. Not investment, tax, or legal advice. Capital at risk.