Friday, July 4, 2008, 4:59PM ET - U.S. Markets Closed for Independence Day.

Retirement

How Should I Allocate My Assets?

Good (256 Ratings)

2.664062/5

Investment returns can be significantly affected by how investors allocate their assets among different types of investments. Use this calculator to help determine your portfolio allocation based on your propensity for risk.

Attitudes toward Risk	Input
1. What is your age?	A) 35 years or under B) 36-54 C) 55 or above
2. What do you expect to be your next major expenditure?	A) Buying a house B) Paying for a college education C) Capitalizing a new business D) Providing for retirement
3. When do you expect to use most of the money you are now accumulating in your investments?	A) At any time now...so a high level of liquidity is important B) Probably in the future...2-5 years from now C) In 6-10 years D) Probably in 11-20 or more years from now
4. Over the next several years, you expect your annual income to:	A) Stay about the same B) Grow moderately C) Grow substantially D) Decrease moderately E) Decrease substantially
5. Due to a general market correction, one of your investments loses 14% of its value a short time after you buy it. What do you do?	A) Sell the investment so you will not have to worry if it continues to decline B) Hold on to it and wait for it to climb back up C) Buy more of the same investment...because at the current lower price, it looks even better than when you bought it
6. Which of these investing plans would you choose for your investment dollars?	A) You would go for maximum diversity, dividing your portfolio among all available investments, including those ranging from highest return/greatest risk to lowest return/lowest risk B) You are concerned about too much diversification, so you would divide your portfolio among two investments with historically high rates of return and moderate risk C) You would put your investment dollars in the investment with the highest rate of return and most risk
7. Assuming you are investing in a stock mutual fund, which one do you choose?	A) A fund of companies that may make significant technological advances that are still selling at their low initial offering price B) A fund that only invests in established, well-known companies that have a potential for continued growth C) A fund devoted to highly diversified “blue chip” stocks that pay dividends
8. Assuming you are investing in only one bond, which bond do you choose?	A) A high-yield (junk) bond that pays a higher interest rate than the other two bonds, but also gives you the least sense of security with regard to a possible default B) The bond of a well-established company that pays a rate of interest somewhere between the other two bonds C) A tax-free bond, since minimizing taxes is your primary investment objective
9. You expect inflation to return and it has been suggested that you invest in “hard” assets such as real estate and cable TV, which have historically outpaced inflation. Your only financial assets are long-term bonds. What do you do?	A) Ignore the advice and hold on to the bonds B) Sell the bonds, putting half the proceeds in “hard” assets and the other half in money market funds C) Sell the bonds and put all the proceeds in “hard” assets D) Sell the bonds, put the proceeds in “hard” assets, and borrow additional money so you can buy even more “hard” assets
10. You have just reached the $10,000 plateau on a TV game show. Now you must choose between quitting with the $10,000 in hand or betting the entire $10,000 in one of three alternative scenarios. Which do you choose?	A) The $10,000 — you take the money and run B) A 50 percent chance of winning $50,000 C) A 20 percent chance of winning $75,000 D) A 5 percent chance of winning $100,000

See All Calculators

Cash	Fixed Income	Equity

See All Calculators

{ "WS" : "ads1.finance.vip.sp1.yahoo.com/CalcService", "fields" : { "udata" : [ ], "rdata" : { "results_paragraph" : "results_paragraph" , "cash" : "simple" , "fixed" : "simple" , "equity" : "simple" , "money_market" : "simple" , "domestic_fixed" : "simple" , "international_fixed" : "simple" , "mortgage_backed" : "simple" , "large_cap_growth" : "simple" , "large_cap_value" : "simple" , "small_cap" : "simple" , "international_equity" : "simple" , "chart" : "chart" } } }

Powered By

This calculator is provided by Financial Calculators, Inc., and is intended solely for general information and educational purposes. You should not take any action on the basis of the information provided through this calculator. Please see the disclaimer for further information and limitations.

Rate This calculator

Good (256 Ratings)

2.5/5

Sign-in to rate!

Rates

See today's average rates across the country.

• Mortgage

  Loan Type	Today	Last Week
  30 Year Fixed	6.25%	6.27%
  15 Year Fixed	5.77%	5.84%
  1 Year ARM	6.14%	6.13%
  30 Year Fixed Jumbo	7.30%	7.38%
  5/1 ARM	5.58%	5.70%
  3/1 ARM	5.44%	5.57%

  Source: Bankrate
• Home Equity

  Loan Type	Today	Last Week
  $30K Home Equity Loan	7.64%	7.61%
  $50K Home Equity Loan	7.42%	7.40%
  $75K Home Equity Loan	7.69%	7.68%
  $30K HELOC	4.67%	4.66%
  $50K HELOC	4.38%	4.38%
  $75K HELOC	4.37%	4.37%

  Source: Bankrate
• Savings

  Savings Type	Today	Last Week
  6 month CD	2.99%	2.92%
  1 year CD	3.37%	3.28%
  3 year CD	3.67%	3.58%
  MMA	2.39%	2.38%
  $10K MMA	2.56%	2.54%
  $25K MMA	2.90%	2.89%

  Source: Bankrate
• Auto

  Loan Type	Today	Last Week
  36 Month New Car Loan	6.80%	6.80%
  48 Month New Car Loan	6.84%	6.83%
  60 Month New Car Loan	6.49%	6.48%
  72 Month New Car Loan	6.32%	6.32%
  36 Month Used Car Loan	7.14%	7.14%
  48 Month Used Car Loan	6.84%	6.83%

  Source: Bankrate
• Credit Cards

  Card Type	Today	Last Week
  Balance Transfer	10.31%	10.03%
  Low Interest	11.01%	10.97%
  For Bad Credit	13.02%	13.12%
  Cash Back	11.47%	11.46%
  Business	11.10%	10.91%
  Airline	12.75%	12.69%

  Source: CreditCards.com

View rates in your area

Historical chart data and daily updates provided by Commodity Systems, Inc. (CSI). International historical chart data and daily updates provided by Hemscott Americas. Fundamental company data provided by Capital IQ. Quotes and other information supplied by independent providers identified on the Yahoo! Finance partner page. Quotes are updated automatically, but will be turned off after 25 minutes of inactivity. Quotes are delayed at least 15 minutes. Real-Time continuous streaming quotes are available through our premium service. You may turn streaming quotes on or off. All information provided "as is" for informational purposes only, not intended for trading purposes or advice. Neither Yahoo! nor any of independent providers is liable for any informational errors, incompleteness, or delays, or for any actions taken in reliance on information contained herein. By accessing the Yahoo! site, you agree not to redistribute the information found therein.

Yahoo! Answers is provided for informational purposes only, and no Q&A is intended for trading or investing purposes. Yahoo! shall not be responsible or liable for the accuracy, usefulness or availability of any Q&A information, and shall not be responsible or liable for any trading or investment decisions based on such information. View Complete Answers Disclaimer.