Updated 2026-03-18

401(k) Asset Allocation by Age: Model Portfolios by Decade

Age-based 401(k) allocation models using the Rule of 100, 110, and 120. Visual portfolio breakdowns from your 20s to retirement.

What You Will Learn

This guide covers everything you need to know about 401(k) asset allocation by age: model portfolios by decade. We break down the rules, compare your options, and provide tools to help you make informed decisions about your retirement savings.

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Pavlo Pyskunov

Pavlo Pyskunov

Managing Director & Investment Fund Director

Pavlo Pyskunov analyzes employer-sponsored retirement plans using IRS publications and DOL Form 5500 filings, helping workers maximize their 401(k) savings through data-driven guidance.

Last updated: 2026-03-18

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