Investment Portfolio Allocation Advisor

Recommended Allocation (31-year horizon, moderate risk): 85% stocks / 12% bonds / 3% cash equivalent. Stock breakdown: 60% US total market index, 25% international index. Bond: 12% total bond market index. Rationale: 31-year horizon supports equity-heavy allocation; moderate risk trims from 90% aggressive stock allocation. Your 2055 target date fund is actually close to this — it's a solid choice but check its expense ratio (ideally under 0.15%). Rebalance: annually or when any asset class drifts 5%+ from target. Avoid: concentrating in company stock — no more than 5–10% of portfolio.