Planificateur d'Allocation d'Actifs
Key Financial Terms
Understand the essential concepts behind this calculator
Alpha
Excess return above benchmark. Positive alpha = beat the market. Most actively managed funds have negative alpha after fees.
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Asset Allocation
The mix of different investment types in your portfolio, determining both risk and potential returns
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Asset Class
A group of investments with similar behavior, risk, and regulatory profiles (e.g., stocks, bonds, cash).
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Bear Market
20%+ sustained market decline from recent peak. Characterized by fear, pessimism, and falling prices. Buying opportunity for long-term investors.
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Questions Fréquentes
Questions courantes sur Planificateur d'Allocation d'Actifs
L’allocation d’actifs correspond à la manière dont vous répartissez vos placements entre différentes catégories d’actifs, comme les actions, les obligations et la trésorerie. Cette approche aide à gérer le risque et peut améliorer vos chances d’atteindre vos objectifs de retraite.
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Sources & References
Asset Allocation Determines 90% of Returns
Research shows that asset allocation (the mix of stocks, bonds, and other investments) explains over 90% of portfolio return variability over time, far more than security selection or market timing.
Asset Allocation Importance
Research by Brinson, Hood, and Beebower found that asset allocation explains 80-90% of portfolio return variability. Historical stock returns ~10-11% annually, bonds ~4-6%, with stocks exhibiting significantly higher volatility.
Age-Based Allocation Rules
Common rules of thumb: "100 minus age" or "120 minus age" = stock percentage. A 40-year-old might hold 60-80% stocks. These are starting points; adjust based on risk tolerance and goals.
Age-Based Allocation Rules
Traditional rules of thumb (100/110/120 minus age) provide starting points for stock allocation. Actual optimal allocation depends on risk tolerance, income sources, retirement timeline, and personal circumstances.
Risk Tolerance is Personal
Recommended allocations are general guidance. Your ideal mix depends on individual risk capacity, time horizon, income stability, and ability to stay invested during market downturns. Consider consulting a financial advisor for personalized advice.
Disclaimer
This calculator provides asset allocation guidance based on general principles. Past performance doesn't guarantee future results. Actual returns and volatility vary. Optimal allocation depends on individual risk tolerance, timeline, goals, and circumstances. Consult with financial advisors for personalized recommendations.