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Asset Allocation Quiz

Answer 8 questions about your goals, timeline, and risk tolerance. Get a personalized portfolio mix — stocks, bonds, cash, and crypto — with expected return ranges.

Question 1 of 8 0%

Question 1 of 8

When do you plan to start using this money?

Question 2 of 8

What is the primary goal for this money?

Question 3 of 8

Your portfolio drops 20% in a market crash. What do you do?

Question 4 of 8

How would you describe your investing experience?

Question 5 of 8

How stable is your income right now?

Question 6 of 8

Do you have an emergency fund covering 3–6 months of expenses?

Question 7 of 8

Which statement best describes your attitude toward investment risk?

Question 8 of 8

Are you interested in including crypto in your portfolio?

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Expected annual return

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Historical avg range

Worst year (est.)

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Typical bad year

Best year (est.)

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Typical good year

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Asset allocation suggestions are based on general financial planning principles and your quiz responses. They are educational estimates, not personalized financial advice. Historical return ranges are approximations based on long-term averages and vary significantly by time period. Past performance does not guarantee future results. Consult a qualified financial advisor before making investment decisions.

How the asset allocation quiz works

Asset allocation is how you divide your portfolio among stocks, bonds, cash, and crypto. Research consistently shows it accounts for the majority of long-term portfolio variance — more than individual security selection or market timing. Yet most people never make this decision deliberately. This quiz scores your responses across eight dimensions to recommend one of six portfolio profiles, from Capital Preservation to High-Growth Crypto.

The eight dimensions are: time horizon, investment goal, loss tolerance, experience level, income stability, emergency fund status, risk attitude, and crypto interest. Each profile includes expected return ranges, historical worst-year estimates, and a recommended breakdown across all four asset classes.

How to use this quiz

Answer all 8 questions honestly — particularly the crash scenario question, which is the most revealing indicator of real risk tolerance.
Your recommended allocation is a starting point, not a prescription.
Retake the quiz periodically as your life circumstances and time horizon change.
Use the backtest link in your results to see how similar historical portfolios have performed.

For more on managing volatility within your allocation, see our guide on how to invest in a volatile market.