How much of your portfolio should be invested in stocks versus bonds? This guide explains how each asset class affects growth, stability and portfolio risk, why there is no universal ideal allocation, and how to choose a stock-bond mix based on your investment horizon, withdrawal needs and financial circumstances.

Most investors don’t control their portfolio allocation — they drift into it. This guide shows how to build a simple Excel allocation spreadsheet to track weightings, manage risk, and stay aligned with your investment strategy.