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Stock and bond mix

Last updated October 18, 2026

Pick how much of your savings is in stocks after retirement. The table shows each year you could start moving to that mix, run on your whole plan, and the chart shows your savings by age for the row you pick.

More stocks usually leaves more money in the end. More bonds usually means a bad stretch in the markets costs less. The years just before and after you retire matter most, because a fall then is a fall in money you are about to start spending.

The shift ends one year before you retire. Started earlier, the mix moves in equal steps each year. Started one year before, it changes in a single step.

Click a column to sort by it. Sorting by "worst 10% of runs" puts first the start that left the most when things went badly; sorting by paycheck puts first the one that pays the most. Which matters more is yours to weigh.

A switch picks the market the table is run on. Monte Carlo, the same simulation as everywhere else in MangoDime, replays real years from 1928 to 2025, ten years at a time in the order they happened, starting from a different point in each run.

10% average, downturns at unknown times holds the long-run return fixed: every run averages 10% a year for stocks and 4% for bonds, the same as the dashboard's flat figure. Each run also has the same downturns, about one every 12 years as on record: corrections like 2022, sharp one-year falls like 2008, and slides over several years like 2000 to 2002, each followed by a rebound. Only the years they land in change from run to run, with every year equally likely, because nobody knows when the next one comes.

"Left at the end, worst 10% of runs" is what remains when the markets, or the timing, go badly: one run in ten does worse. Every figure is in today's dollars.

Use this saves the mix and the shift to your plan. Both can also be changed in Assumptions.