How it works
Each share is the value in that category divided by the total of everything you entered:
share of a category = value in the category / total value × 100The lean label is a rough reading of how much of the mix swings with markets:
growth-heavy if stocks% + 2 × crypto% > 70
cautious if bonds% + cash% > 50
balanced otherwiseCrypto counts double because its price has moved far more than shares in the past.
About the age guide
The guide follows an old rule of thumb: hold more in stocks when you are young and have decades to recover from a fall, and move towards bonds and cash as you get closer to needing the money. The percentages are a simple illustration, not a recommendation. The right mix depends on when you need the money, your income, your pension and how you would react to a large fall.
Things to keep in mind
- Your home counts as real estate here, but you cannot sell part of it to rebalance. Some people look at their mix with and without the home.
- Keep your emergency fund in cash and count it, but do not invest it.
- A global fund already spreads money across many countries and companies inside the stocks line.
Learn more in asset allocation for beginners and index funds.