How to Pick 401(k) Investments: Allocation Guide

Build the right portfolio based on your age, risk tolerance, and timeline

Your 401(k) investment allocation is the single biggest factor in your long-term returns. Get the stock-to-bond ratio right for your age and risk tolerance, keep costs low, and rebalance regularly.

Age-Based Allocation Guidelines

A common starting point: subtract your age from 110 for your stock allocation percentage. At age 35, that means 75% stocks and 25% bonds. Adjust based on your risk tolerance and other income sources.