Asset Allocation for Investors Age 30

Posted by Grace under Investing on November 15, 2014

Here is the asset allocation for investors age 30 that shows exactly how investments should be distributed to minimize the risks and make more profits. If you are really serious in building your wealth, follow this asset allocation, if you follow this, you will also be able to minimize the risk of your investments. In this page, if you are an investor age 30 to 44 years old, this will guide you on how to allocate your investments.

Here at InvestmentTotal.com, it is my pleasure to give my readers the best and great information not just about investment opportunities but how investments should be distributed as well. To understand this topic, know the asset allocation definition.

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If you are at age 30, you still be able to take high risk so that you can maximize the growth of your fund. As we have discussed previously, a cash is very important that serve as an emergency funds, keep cash equivalent to your 6 months income.

Asset Allocation for Investors Age 30

If you are planning to invest $1,000,000 today, where and how your investments should be distributed? See the pie chart to give you an idea on how to allocate your investments.

5% Cash Investment: $50,000
5% CDs/T-Bills and Short/Medium Term Bonds: $50,000
40% Equity Mutual Funds and other High-Growth Securities: $400,000
20% Balanced Mutual Funds and Blue Chip Securities: $200,000
20% Business Ownership: $200,000
10% Real Estate Properties and/or Fixed Income Long-Term Bonds $100,000
100% Total Investments= $1,000,000

Asset Allocation for Investors Age 30

  • Low Risk Investments: Cash, CDs/T-Bills and Short/Medium Term Bonds, Real Estate, Fixed Income Long-Term Bonds
  • Medium Risk Investments: Balanced Mutual Funds and Blue Chip Securities
  • High Risk Investments: Business Ownership, Equity Mutual Funds, and other High-Growth Securities

Reference: Making Your Money Work 2, by Francisco J. Colayco, Colayco Foundation for Education, Inc., Anvil Publishing, Inc. 2005-2012, page 150

If you are planning to invest in equity mutual funds, it is a good decision to invest only with the best and top performing mutual fund companies. If you are planning to invest in the stock market, it is a great move to buy a blue chip stocks.

Disclaimer: The data are for information purpose only. It is a good decision if you ask the financial experts or the registered/certified financial planner personally and ask how your investments should be distributed. The ideas written here if came from other person, a proper credit will be use by means of writing the references and the original sources.

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In my next topic, I will write about the asset allocation for age 45, 65, and age 66 and above. Stay tuned to InvestmentTotal.com, if you find this article useful, share it please. Thank you.

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