Choosing an asset allocation | Vanguard

Elvera Bartels

Your asset allocation is one of the most important choices you’ll make as an investor. This video explains what it means—and why it matters.

Our financial advice can help you choose an asset allocation that’s right for your goals, time horizon, and risk tolerance.


5 years of research. 5 million Vanguard households. What we learned about everyday Americans’ financial choices can help you move through the investing world with confidence. Let’s start at the beginning with one of the first and most important decisions you make when you start investing: your asset allocation. 

Investments come in 3 basic flavors: stocks, bonds, and cash. You can combine these flavors every which way to make all sorts of interesting investing creations, but the basic ingredients are always the same. 

Your asset allocation is how much of the money in your portfolio you want represented by each of these flavors. Maybe you’re 

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