The Split Moves With Time, Not Age.
These are educational starting-point ranges only. InvestStart does not calculate a personalised allocation — explore the ranges and see how emphasis shifts as a deadline approaches.
25+ years out
Educational starting-point rangesThe deadline is distant, so the educational emphasis sits heavily in Growth.
Bar widths use the midpoint of each range for illustration only.
| Time to goal | Safety | Income | Growth | Opportunity |
|---|---|---|---|---|
| 25+ years out | 10–15% | 5–10% | 70–80% | 5–10% |
| 10–25 years out | 12–18% | 10–15% | 60–70% | 5–10% |
| 5–10 years out | 10–15% | 30–35% | 45–55% | 5–10% |
| In retirement | 15–20% | 40–50% | 30–40% | 5–10% |
As the deadline approaches, educational emphasis shifts from Growth toward Income and Safety.
Your Safety Number is a fixed dollar amount, not a percentage.
Opportunity remains capped at 5–10% in this educational framework.
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Educational disclaimer. InvestStart provides general educational information and simulated investing experiences. It does not provide personalized financial, investment, tax, or legal advice. Simulated results are hypothetical and do not predict future investment performance. Consider consulting a qualified professional for advice specific to your circumstances.