© 2019 by Paul M. Paquette v1.

00 Retirement Asset Allocation by Age Pg 01

Equities (Mutual Funds / ETF) REITs Fix-Income (Long / Intermediate) Fix-Income
Age USA - Equities International - Equities Total Total USA International Total USA Total
USA Int
USA - SM USA-Mid USA-LG Int - SM Int -Mid Int -LG Long-Term Int -Term Long-Term Int -Term Short Term MMMF
80 3.00% 3.75% 8.25% 2.00% 2.50% 5.50% 25.00% 3.50% 1.50% 5.00% 8.75% 26.25% 3.75% 11.25% 50.00% 16.00% 4.00% 20.00%
79 3.17% 3.86% 8.42% 2.11% 2.58% 5.61% 25.75% 3.68% 1.58% 5.25% 9.10% 25.90% 3.90% 11.10% 50.00% 15.20% 3.80% 19.00%
78 3.34% 3.98% 8.59% 2.23% 2.65% 5.72% 26.50% 3.85% 1.65% 5.50% 9.45% 25.55% 4.05% 10.95% 50.00% 14.40% 3.60% 18.00%
77 3.52% 4.09% 8.75% 2.34% 2.73% 5.83% 27.25% 4.03% 1.73% 5.75% 9.80% 25.20% 4.20% 10.80% 50.00% 13.60% 3.40% 17.00%
76 3.70% 4.20% 8.90% 2.46% 2.80% 5.94% 28.00% 4.20% 1.80% 6.00% 10.15% 24.85% 4.35% 10.65% 50.00% 12.80% 3.20% 16.00%
75 3.88% 4.31% 9.06% 2.59% 2.88% 6.04% 28.75% 4.38% 1.88% 6.25% 10.50% 24.50% 4.50% 10.50% 50.00% 12.00% 3.00% 15.00%
74 4.07% 4.43% 9.20% 2.71% 2.95% 6.14% 29.50% 4.55% 1.95% 6.50% 10.85% 24.15% 4.65% 10.35% 50.00% 11.20% 2.80% 14.00%
73 4.27% 4.54% 9.35% 2.84% 3.03% 6.23% 30.25% 4.73% 2.03% 6.75% 11.20% 23.80% 4.80% 10.20% 50.00% 10.40% 2.60% 13.00%
72 4.46% 4.65% 9.49% 2.98% 3.10% 6.32% 31.00% 4.90% 2.10% 7.00% 11.55% 23.45% 4.95% 10.05% 50.00% 9.60% 2.40% 12.00%
71 4.67% 4.76% 9.62% 3.11% 3.18% 6.41% 31.75% 5.08% 2.18% 7.25% 11.90% 23.10% 5.10% 9.90% 50.00% 8.80% 2.20% 11.00%
70 4.88% 4.88% 9.75% 3.25% 3.25% 6.50% 32.50% 5.25% 2.25% 7.50% 12.25% 22.75% 5.25% 9.75% 50.00% 8.00% 2.00% 10.00%
69 5.09% 4.99% 9.88% 3.39% 3.33% 6.58% 33.25% 5.42% 2.33% 7.75% 12.60% 22.40% 5.40% 9.60% 50.00% 7.20% 1.80% 9.00%
68 5.30% 5.10% 10.00% 3.54% 3.40% 6.66% 34.00% 5.60% 2.40% 8.00% 12.95% 22.05% 5.55% 9.45% 50.00% 6.40% 1.60% 8.00%
67 5.53% 5.21% 10.11% 3.68% 3.48% 6.74% 34.75% 5.77% 2.48% 8.25% 13.30% 21.70% 5.70% 9.30% 50.00% 5.60% 1.40% 7.00%
66 5.75% 5.33% 10.22% 3.83% 3.55% 6.82% 35.50% 5.95% 2.55% 8.50% 13.65% 21.35% 5.85% 9.15% 50.00% 4.80% 1.20% 6.00%
65 5.98% 5.44% 10.33% 3.99% 3.63% 6.89% 36.25% 6.12% 2.63% 8.75% 14.00% 21.00% 6.00% 9.00% 50.00% 4.00% 1.00% 5.00%
64 6.22% 5.55% 10.43% 4.14% 3.70% 6.96% 37.00% 6.30% 2.70% 9.00% 14.35% 20.65% 6.15% 8.85% 50.00% 3.20% 0.80% 4.00%
63 6.46% 5.66% 10.53% 4.30% 3.78% 7.02% 37.75% 6.47% 2.78% 9.25% 14.70% 20.30% 6.30% 8.70% 50.00% 2.40% 0.60% 3.00%
62 6.70% 5.78% 10.63% 4.47% 3.85% 7.08% 38.50% 6.65% 2.85% 9.50% 15.05% 19.95% 6.45% 8.55% 50.00% 1.60% 0.40% 2.00%
61 6.95% 5.89% 10.72% 4.63% 3.93% 7.14% 39.25% 6.82% 2.93% 9.75% 15.40% 19.60% 6.60% 8.40% 50.00% 0.80% 0.20% 1.00%
60 7.20% 6.00% 10.80% 4.80% 4.00% 7.20% 40.00% 7.00% 3.00% 10.00% 15.75% 19.25% 6.75% 8.25% 50.00% 0.00% 0.00% 0.00%
59 7.46% 6.11% 10.88% 4.97% 4.08% 7.25% 40.75% 7.18% 3.08% 10.25% 15.78% 18.52% 6.76% 7.94% 49.00% 0.00% 0.00% 0.00%
58 7.72% 6.23% 10.96% 5.15% 4.15% 7.30% 41.50% 7.35% 3.15% 10.50% 15.79% 17.81% 6.77% 7.63% 48.00% 0.00% 0.00% 0.00%
57 7.99% 6.34% 11.03% 5.32% 4.23% 7.35% 42.25% 7.53% 3.23% 10.75% 15.79% 17.11% 6.77% 7.33% 47.00% 0.00% 0.00% 0.00%
56 8.26% 6.45% 11.09% 5.50% 4.30% 7.40% 43.00% 7.70% 3.30% 11.00% 15.78% 16.42% 6.76% 7.04% 46.00% 0.00% 0.00% 0.00%
55 8.53% 6.56% 11.16% 5.69% 4.38% 7.44% 43.75% 7.88% 3.38% 11.25% 15.75% 15.75% 6.75% 6.75% 45.00% 0.00% 0.00% 0.00%
54 8.81% 6.68% 11.21% 5.87% 4.45% 7.48% 44.50% 8.05% 3.45% 11.50% 15.71% 15.09% 6.73% 6.47% 44.00% 0.00% 0.00% 0.00%
53 9.10% 6.79% 11.27% 6.06% 4.53% 7.51% 45.25% 8.23% 3.53% 11.75% 15.65% 14.45% 6.71% 6.19% 43.00% 0.00% 0.00% 0.00%
52 9.38% 6.90% 11.32% 6.26% 4.60% 7.54% 46.00% 8.40% 3.60% 12.00% 15.58% 13.82% 6.68% 5.92% 42.00% 0.00% 0.00% 0.00%
51 9.68% 7.01% 11.36% 6.45% 4.68% 7.57% 46.75% 8.58% 3.68% 12.25% 15.50% 13.20% 6.64% 5.66% 41.00% 0.00% 0.00% 0.00%
50 9.97% 7.13% 11.40% 6.65% 4.75% 7.60% 47.50% 8.75% 3.75% 12.50% 15.40% 12.60% 6.60% 5.40% 40.00% 0.00% 0.00% 0.00%
49 10.28% 7.24% 11.44% 6.85% 4.83% 7.62% 48.25% 8.93% 3.83% 12.75% 15.29% 12.01% 6.55% 5.15% 39.00% 0.00% 0.00% 0.00%
48 10.58% 7.35% 11.47% 7.06% 4.90% 7.64% 49.00% 9.10% 3.90% 13.00% 15.16% 11.44% 6.50% 4.90% 38.00% 0.00% 0.00% 0.00%
47 10.90% 7.46% 11.49% 7.26% 4.98% 7.66% 49.75% 9.28% 3.98% 13.25% 15.02% 10.88% 6.44% 4.66% 37.00% 0.00% 0.00% 0.00%
46 11.21% 7.58% 11.51% 7.47% 5.05% 7.68% 50.50% 9.45% 4.05% 13.50% 14.87% 10.33% 6.37% 4.43% 36.00% 0.00% 0.00% 0.00%
45 11.53% 7.69% 11.53% 7.69% 5.13% 7.69% 51.25% 9.63% 4.13% 13.75% 14.70% 9.80% 6.30% 4.20% 35.00% 0.00% 0.00% 0.00%
44 11.86% 7.80% 11.54% 7.90% 5.20% 7.70% 52.00% 9.80% 4.20% 14.00% 14.52% 9.28% 6.22% 3.98% 34.00% 0.00% 0.00% 0.00%
43 12.19% 7.91% 11.55% 8.12% 5.28% 7.70% 52.75% 9.98% 4.28% 14.25% 14.32% 8.78% 6.14% 3.76% 33.00% 0.00% 0.00% 0.00%
42 12.52% 8.03% 11.56% 8.35% 5.35% 7.70% 53.50% 10.15% 4.35% 14.50% 14.11% 8.29% 6.05% 3.55% 32.00% 0.00% 0.00% 0.00%
41 12.86% 8.14% 11.56% 8.57% 5.43% 7.70% 54.25% 10.33% 4.43% 14.75% 13.89% 7.81% 5.95% 3.35% 31.00% 0.00% 0.00% 0.00%
40 13.20% 8.25% 11.55% 8.80% 5.50% 7.70% 55.00% 10.50% 4.50% 15.00% 13.65% 7.35% 5.85% 3.15% 30.00% 0.00% 0.00% 0.00%
39 13.55% 8.36% 11.54% 9.03% 5.58% 7.69% 55.75% 10.68% 4.58% 15.25% 13.40% 6.90% 5.74% 2.96% 29.00% 0.00% 0.00% 0.00%
38 13.90% 8.48% 11.53% 9.27% 5.65% 7.68% 56.50% 10.85% 4.65% 15.50% 13.13% 6.47% 5.63% 2.77% 28.00% 0.00% 0.00% 0.00%
USA = United States of America Int = International SM = Small Cap Mid = Mid Cap LG = Large Cap Int = Intermediate MMMF = Money Market Mutual Fund REITS = Real Estate
 © 2019 by Paul M. Paquette v1.00 Retirement Asset Allocation by Age Pg 02
Equities (Mutual Funds / ETF) REITs Fix-Income (Long / Intermediate) Fix-Income
Age USA - Equities International - Equities Total Total USA International Total USA Total
USA Int
USA - SM USA-Mid USA-LG Int - SM Int -Mid Int -LG Long-Term Int -Term Long-Term Int -Term Short Term MMMF
37 14.26% 8.59% 11.51% 9.50% 5.73% 7.67% 57.25% 11.03% 4.73% 15.75% 12.85% 6.05% 5.51% 2.59% 27.00% 0.00% 0.00% 0.00%
36 14.62% 8.70% 11.48% 9.74% 5.80% 7.66% 58.00% 11.20% 4.80% 16.00% 12.56% 5.64% 5.38% 2.42% 26.00% 0.00% 0.00% 0.00%
35 14.98% 8.81% 11.46% 9.99% 5.88% 7.64% 58.75% 11.38% 4.88% 16.25% 12.25% 5.25% 5.25% 2.25% 25.00% 0.00% 0.00% 0.00%
34 15.35% 8.93% 11.42% 10.23% 5.95% 7.62% 59.50% 11.55% 4.95% 16.50% 11.93% 4.87% 5.11% 2.09% 24.00% 0.00% 0.00% 0.00%
33 15.73% 9.04% 11.39% 10.48% 6.03% 7.59% 60.25% 11.73% 5.03% 16.75% 11.59% 4.51% 4.97% 1.93% 23.00% 0.00% 0.00% 0.00%
32 16.10% 9.15% 11.35% 10.74% 6.10% 7.56% 61.00% 11.90% 5.10% 17.00% 11.24% 4.16% 4.82% 1.78% 22.00% 0.00% 0.00% 0.00%
31 16.49% 9.26% 11.30% 10.99% 6.18% 7.53% 61.75% 12.08% 5.18% 17.25% 10.88% 3.82% 4.66% 1.64% 21.00% 0.00% 0.00% 0.00%
30 16.88% 9.38% 11.25% 11.25% 6.25% 7.50% 62.50% 12.25% 5.25% 17.50% 10.50% 3.50% 4.50% 1.50% 20.00% 0.00% 0.00% 0.00%
29 17.27% 9.49% 11.20% 11.51% 6.33% 7.46% 63.25% 12.43% 5.33% 17.75% 10.11% 3.19% 4.33% 1.37% 19.00% 0.00% 0.00% 0.00%
28 17.66% 9.60% 11.14% 11.78% 6.40% 7.42% 64.00% 12.60% 5.40% 18.00% 9.70% 2.90% 4.16% 1.24% 18.00% 0.00% 0.00% 0.00%
27 18.07% 9.71% 11.07% 12.04% 6.48% 7.38% 64.75% 12.78% 5.48% 18.25% 9.28% 2.62% 3.98% 1.12% 17.00% 0.00% 0.00% 0.00%
26 18.47% 9.83% 11.00% 12.31% 6.55% 7.34% 65.50% 12.95% 5.55% 18.50% 8.85% 2.35% 3.79% 1.01% 16.00% 0.00% 0.00% 0.00%
25 18.88% 9.94% 10.93% 12.59% 6.63% 7.29% 66.25% 13.13% 5.63% 18.75% 8.40% 2.10% 3.60% 0.90% 15.00% 0.00% 0.00% 0.00%
24 19.30% 10.05% 10.85% 12.86% 6.70% 7.24% 67.00% 13.30% 5.70% 19.00% 7.94% 1.86% 3.40% 0.80% 14.00% 0.00% 0.00% 0.00%
23 19.72% 10.16% 10.77% 13.14% 6.78% 7.18% 67.75% 13.48% 5.78% 19.25% 7.46% 1.64% 3.20% 0.70% 13.00% 0.00% 0.00% 0.00%
22 20.14% 10.28% 10.69% 13.43% 6.85% 7.12% 68.50% 13.65% 5.85% 19.50% 6.97% 1.43% 2.99% 0.61% 12.00% 0.00% 0.00% 0.00%
21 20.57% 10.39% 10.60% 13.71% 6.93% 7.06% 69.25% 13.83% 5.93% 19.75% 6.47% 1.23% 2.77% 0.53% 11.00% 0.00% 0.00% 0.00%
20 21.00% 10.50% 10.50% 14.00% 7.00% 7.00% 70.00% 14.00% 6.00% 20.00% 5.95% 1.05% 2.55% 0.45% 10.00% 0.00% 0.00% 0.00%
USA = United States of America Int = International SM = Small Cap Mid = Mid Cap LG = Large Cap Int = Intermediate MMMF = Money Market Mutual Fund REITS = Real Estate

This Allocation does not include other factors regarding various Sector (Transporation, Technology, Service, Capital Goods, Basic Material,
Energy, Defensive Sector, Consumer Staples, Utilities, Financial, Consumer Cyclical) and Value vs Growth. These aforemention factors are
usually determine base upon personal preferences, risk tolerance, and investment philosophy.