A common rule of thumb sets your growth share as a number minus your age, so the mix grows more conservative as you get older. It's the idea behind target-date funds, sometimes called a glide path.
This tool illustrates the share of a portfolio you'd hold in stable assets (e.g., cash, a high-yield savings account, short-term bonds) versus growth assets held for the long run (most commonly a broad stock index fund), based on a common age rule. It doesn't judge whether your portfolio is large enough to last. For that, start with your FI number.
Your numbers
$total
The invested balance you're allocating. Optional. Leave it blank to see the split as percentages only.
Your age today40
All three are in common use. A higher number holds more in growth assets at every age, which is more aggressive. The spread between them is the point: the rule is a choice, not a fixed law.
%
Optional. A minimum growth share the mix won't drop below, no matter your age. Some people set one so the portfolio keeps some growth in later years. Leave it blank for no floor.
Stable
30%
$600,000
Growth
70%
$1,400,000
How this works: Your equity share is the rule's number minus your age, so 110 minus age 40 is 70 percent in growth assets and the rest stable. The share is held to a range of 0 to 100 percent, and an optional floor keeps it from falling below a level you choose. Stable here is the non-growth side of the mix: cash and cash-like holdings such as a high-yield savings account or money market, along with higher-quality bonds. The cash-like part you can pull from at par; bonds carry less risk than stocks, though their value can still move. Growth means assets you hold for the long run, most commonly a broad stock index fund. This method sets the mix by age alone. It doesn't look at when you'll actually spend the money, which is what the bucket approach does instead. Neither is the correct answer; they answer the question in different ways. This is a snapshot of one common rule, not a projection or a recommendation, and it doesn't account for taxes, account location, other income, or which specific holdings you use.