Asset allocation calculator UK
Learn some key investing principles that will help you building a balanced portfolio
Form filling should take less than 5 minutes
Improve your knowledge to improve future decisions
Only demonstrates generally accepted investing principles
Go back to your profile to edit or review your inputs
Frequently asked questions
Based on your inputs, three profiles with different levels of risk and return
Slower steadier returns than the base mix - less investment risk and bigger cash buffers
Middle-of-the-road asset allocation based on your inputs and the allocation rules below
More aggressive than the base mix - higher investment risk and expected returns
Perhaps the most important factor to consider when thinking about your asset allocation is your risk tolerance.
Our questionnaire indicates a willingness to take risk, and a ability to take risk. This means you have a overall risk tolerance , as it is the lower of the two.
After financial goals and any non-standard investments, we allocate using the 110 rule (110 minus current age gives the percentage in shares).
This shifts your portfolio towards less risky bond investments which have a more stable value as you get older and closer to wanting to draw on your them during retirement.
The Varbes Asset Allocation calculator is made to demonstrate some key financial concepts - you can carry out a more detailed assessment of your financial position, risk and financial goals which would lead to a more suitable asset allocation.
Because of these limitations, we include three different asset allocation profiles to give you a range of options to consider.
You have selected the base profile, this will mean you follow the standard age and risk based rules (detailed in other sections), and no adjustments will be applied.
100% Bonds 2010 - 2019
- Average return6.0%
- Best year (2011)17.0%
- Worst year (2013)-4.1%
* We selected the Bloomberg Barclays UK Government Bond Index as a representative for the bond market
Frequently Asked Questions
The process of deciding your portfolio's asset allocation is called asset allocation.
Asset allocation is an investment strategy that aims to balance risk and reward by splitting a portfolio’s assets into different asset classes, according to an individual’s goals and risk tolerance.
We use the term asset allocation on this page as we thought it would be more readily understood by newcomers, but if it functionally the same process as asset allocation.