Asset Allocation & Risk Tolerance Builder (Millennials)
A quick educational tool to think through a stocks / bonds / cash equivalents split based on time horizon,
risk comfort, and liquidity needs. This tool does not recommend specific funds.
Inputs
Used for context only (not a guarantee).
Time horizon drives volatility tolerance.
How comfortable are you with market swings?
If “Yes,” we keep a higher cash cushion.
How this tool works
Starts with a baseline split for your time horizon, adjusts for risk tolerance, then applies a liquidity “cash floor.”
Output is rounded and meant for learning—not precision.
Suggested split (educational)
Stocks
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Bonds
—
Cash equivalents
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Click Build my allocation to see your educational split.
Tradeoffs (plain-English)
You’ll see a brief explanation of what this mix generally optimizes for: growth, stability, and flexibility.
Rebalance reminder
A suggested review cadence will appear here after you run the tool.
Important disclaimer
This calculator provides general educational guidance only and does not offer investment advice or recommend specific
securities, funds, or strategies. Asset allocation involves risk, including possible loss of principal. Results are not guaranteed.
Consider consulting a qualified professional for decisions tailored to your situation.
Tip: If you’re building this into Section 4, place a short “Goals first, allocation second” paragraph above the tool.
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Example of a Core Companion Article
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