In the Planner tool, asset allocation can be accounted for through optimistic and pessimistic assumptions attached to your investment accounts.

Cash Accounts

If you are modeling cash accounts, such as general savings and emergency funds, you may consider a very conservative growth rate aligned with current savings account interest rates.

Cash Accounts Example

The values in this chart are examples and should not be considered recommendations for your model.

Investment and Retirement Accounts

If you are modeling investment and retirement accounts, you should consider aligning growth rates with the allocation of the holdings in each account and enter an average expected return for the account.

If your account is invested aggressively, holding mostly stocks, you may consider using a higher optimistic growth rate for your assumption.

If your account is balanced, holding a portion of stocks and bonds, then you may consider using a rate of growth that is less than your aggressive assumption.

If your account is conservative, holding mostly bonds, then you may consider using a lower optimistic growth rate for your assumption.

Retirement Accounts Example

The values in this chart are examples and should not be considered recommendations for your model.

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