Investing
Asset Allocation Guide
March 14, 2026
Asset allocation is the investor's most important decision. It determines 90% of the portfolio's long-term return.
Allocation models
Conservative (low risk): - 70-80% Fixed Income - 10-20% Stocks/ETFs - 5-10% REITs - 0-5% Crypto
Moderate: - 40-50% Fixed Income - 25-35% Stocks/ETFs - 10-15% REITs - 5-10% Crypto
Aggressive (high risk): - 10-20% Fixed Income - 50-60% Stocks/ETFs - 10-15% REITs - 10-20% Crypto
PaxMoney shows your actual allocation with pie charts by class, country, and currency, making rebalancing easy.