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How can I model a change to my asset allocation over time?
How can I model a change to my asset allocation over time?

This article outlines how and when to use the future rate change feature.

Nancy Gates avatar
Written by Nancy Gates
Updated over a week ago

In the course of planning over an entire life cycle, we typically have a higher risk tolerance the younger we are and our tolerance for risk lowers as we age. This makes sense: when we are young and are full of human capital, we are able to weather hits to our portfolios much more easily than if we have only a few more years (or no years at all) left in the workforce. For a lot of folks, this means being more stock/equity heavy in our asset allocation early in life and introducing more and more fixed income (bonds) as time goes on. So how can we reflect this shift to a lower-earning, but more dependable asset allocation within the Planner?

As of November 2021, you can do so by making use of the future rate change feature within My Plan > Accounts and Assets.

How to change the rates of return for an existing account

Step 1: Navigate to My Plan > Accounts and Assets

Step 2: Open the Savings section

Step 3: Press the edit (โœŽ) icon of the account you wish to edit

Step 4: Press "Model a rate change in the future"

Step 5: Decide at what age you would like to change your asset allocation

Step 6: Enter your new rates of return. This can either be a decrease (representing an adoption of a more conservative portfolio) or even an increase (a more aggressive portfolio)

Step 7: Press "Save"

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