Asset allocation tool nationwide

You get the idea. Allocating your assets is a personal decision and it's not a decision to make once and then forget about. Not to mention the fact that you'll probably want to change your asset allocation as you age and your goals change. What is an Index Fund? How Does the Stock Market Work? What are Bonds? Investing Advice What is a Fiduciary?

What is a CFP? I'm an Advisor Find an Advisor. Your Details Done. Very Conservative. Very Aggressive. About This Answer. Our Assumptions. Investment Period: We assume a 30 year investment horizon. Our Investing Expert. Barbara Friedberg Investing Barbara Friedberg is an author, teacher and expert in personal finance, specifically investing. Moderate Risk Expected Range of Return.

Median expected return. More from SmartAsset How much should you save for retirement? See how your investments will grow over time Compare online brokerage accounts See how inflation impacts your investments.

More about this page About this answer How do we calculate this answer Learn more about asset allocation Infographic: Best performing stocks. Share Your Feedback. What is the most important reason for that score? Stocks When you buy shares in a company you're investing in stocks. Cash Cash gives your assets some liquidity. Your Goals If your goal is to create an emergency fund that you might need to access at any time, the liquidity that cash offers is a big, er, asset.

Your Risk Tolerance We've already talked about how investing in stocks comes with the risk that your net worth could drop.

Bottom Line Allocating your assets is a personal decision and it's not a decision to make once and then forget about. OK Cancel. An error occurred Please reload the page. Very Conservative Typically, a very conservative investor is: cautious or a first-time investor primarily focused on portfolio stability and preservation of capital will need the money from their investments in five years or less has a medium investment time horizon and seeks a growth potential that can compete with inflation concerns someone with a portfolio that primarily consists of investments in cash and bonds At year 10, 0.

Conservative Typically, a conservative investor is: willing and able to accept some risk or volatility primarily focused on pursuing a modest level of portfolio appreciation with minimal principal loss and volatility someone with a portfolio that primarily includes investments in cash and bonds with some allocation in equities At year 10, 0.

Because each type of investment reacts differently to market changes, asset allocation may help you manage risk. If the value of one drops, others may rise or hold steady to help offset the losses. You can also spread your money across various investment options within a particular asset class. For example, investing in both large and small companies in the stock market.

Spreading your wealth out across a variety of investments within each major asset class is known as portfolio diversification. Your investment strategy should be consistent with how you like to invest your investor profile. It also should be consistent with how much time you have until you want to reach your goal your time horizon.

What investment strategy is right for your situation? Your investment professional can help you decide how to mix asset classes based on the amount of risk you're comfortable with, as well as your financial target. Your needs and goals may change over time. Clipboard-flat Claims Envelopes-flat Pay a bill. All insurance products ». The Asset Allocation tool is provided for educational purposes only.

It is not intended to provide personalized investment advice. The Asset Allocation Tool presented is available through a license agreement between Wilshire Associates and Nationwide. Its sole purpose is to assist you in determining your general attitudes towards investment risk. This questionnaire does not consider all factors necessary in making an investment decision e.