A portfolio allocation calculator splits your investments across asset classes such as stocks, bonds and cash, gold and crypto, then shows how far your current mix has drifted from your target and which trades would rebalance it. It shows the consequences of a mix you choose; it cannot tell you the right mix.
How is your portfolio allocated right now?
Enter what you hold in each asset class and the target share you want. The defaults show the rebalancing example further down this page. Results are illustrations, not personal advice.
| Asset class | Current | Target | Trade to rebalance |
|---|---|---|---|
| Stocks | $6,600.00 (59.5%) | $6,660.00 (60.0%) | Buy $60.00 |
| Bonds & cash | $3,000.00 (27.0%) | $3,330.00 (30.0%) | Buy $330.00 |
| Gold & precious metals | $500.00 (4.5%) | $555.00 (5.0%) | Buy $55.00 |
| Crypto | $1,000.00 (9.0%) | $555.00 (5.0%) | Sell $445.00 |
If crypto fell 70.0% and everything else stayed flat, your current mix would lose $700.00 (6.3% of the total). At your target mix the loss would be $388.50 (3.5%).
What does a crypto allocation do to portfolio risk?
The size of the crypto slice decides how much a crypto crash hurts the whole portfolio. BlackRock notes past Bitcoin sell-offs of 70-80% from peak to bottom, so the table below tests a 70% fall on four illustrative $10,000 mixes (stocks / bonds and cash / gold / crypto), with other assets held flat. These are examples, not recommendations.
| Mix | Stocks / bonds & cash / gold / crypto | Crypto holding | Portfolio change |
|---|---|---|---|
| No crypto | 60% / 35% / 5% / 0% | $0 | 0% |
| 2% crypto | 58% / 35% / 5% / 2% | $200 | -1.4% |
| 5% crypto | 55% / 35% / 5% / 5% | $500 | -3.5% |
| 10% crypto | 50% / 35% / 5% / 10% | $1,000 | -7.0% |
BlackRock described a 1-2% Bitcoin allocation as a reasonable range for a multi-asset portfolio, adding about as much risk as a single "Magnificent 7" stock in a 60/40 portfolio, and said larger allocations would skew portfolio risk excessively. The World Gold Council's tests found Bitcoin allocations above 2.5% raised volatility and deepened drawdowns, while its gold scenarios of 2.5-10% showed lower volatility and better risk-adjusted returns. Both organisations have commercial interests in these markets. For pairing the two assets, see investing in Bitcoin and gold together.
How do you choose your own allocation?
The SEC's investor guide says the right mix depends largely on your time horizon and your ability to tolerate risk. Ask yourself:
- When will you need the money? Money needed within a few years usually belongs in lower-volatility assets.
- How would you react to a big fall? If a 30% drop would make you sell, hold less in volatile assets.
- How stable is your income? A steady salary can support more risk than irregular earnings.
- What else do you own? Count pensions, property and company shares when judging your overall exposure.
The reasoning behind these choices is covered in our guide to building a crypto portfolio allocation strategy and in crypto risk management.
How does rebalancing work?
Rebalancing returns a portfolio to its target mix after some assets outgrow others. In this worked example, a $10,000 portfolio starts at 60% stocks, 30% bonds and cash, 5% gold and 5% crypto. A year later stocks are up 10%, crypto has doubled, and the rest is flat, so the portfolio is worth $11,100 and crypto has grown to 9.0%.
| Asset class | Start | After one year | Trade back to target |
|---|---|---|---|
| Stocks | $6,000 (60%) | $6,600 (59.5%) | Buy $60 |
| Bonds & cash | $3,000 (30%) | $3,000 (27.0%) | Buy $330 |
| Gold | $500 (5%) | $500 (4.5%) | Buy $55 |
| Crypto | $500 (5%) | $1,000 (9.0%) | Sell $445 |
The SEC describes three ways to rebalance: sell overweight assets and buy underweight ones, buy more of the underweight assets with new money, or direct future contributions to the underweight assets until the mix is restored. It notes that many experts rebalance every six or twelve months, or when an asset drifts a set percentage from its target. Each sale may trigger fees or tax.
How do you count a multi-asset fund in your allocation?
A fund that holds several asset classes should be split by its holdings, known as a look-through allocation. The table shows each $1,000 invested in a Wealtii fund at its target allocation as of 21 Oct 2026; precious metals include tokenized gold and a tokenized silver ETF.
| Fund | Crypto | Tokenized stocks and ETFs | Tokenized gold and silver |
|---|---|---|---|
| Wealtii Digital Asset Core Index Fund | $1,000 | $0 | $0 |
| Wealtii Tech & Digital Asset Growth Fund | $236 | $646 | $118 |
| Wealtii Multi-Asset Balanced Allocation Fund | $415 | $198 | $387 |
Reading Wealtii funds correctly: despite its name, the Balanced fund is about 41.5% crypto, so treat it as a higher-risk holding. Wealtii funds use fixed target allocations with position caps; actual weights drift with prices between rebalances, and automated rebalancing is still in development. Funds holding tokenized stocks may not be available in all jurisdictions, including the United States. Wealtii is not regulated. Compare the funds in which Wealtii fund is right for me.
What are the calculator's assumptions and limitations?
- Four asset classes only: property, private businesses and pensions need to be added to the nearest class or considered separately.
- Simple stress test: the crypto fall assumes everything else stays flat; in a real sell-off stocks can fall at the same time.
- No costs or tax: trade amounts ignore fees, spreads and capital gains tax.
- Your targets, not ours: the calculator applies whatever mix you enter and does not judge whether it suits you. To project how a contribution plan could grow, use the crypto growth calculator.
Frequently Asked Questions
How much of my portfolio should be in crypto?
There is no single answer. BlackRock described 1-2% of a multi-asset portfolio as a reasonable Bitcoin range for investors who expect wider adoption and can absorb rapid price falls, and World Gold Council tests found Bitcoin allocations above 2.5% raised portfolio volatility. Size crypto so that a 70% fall would not derail your plans.
What is the 60/40 portfolio?
A 60/40 portfolio holds 60% in stocks for growth and 40% in bonds for stability. It is a common reference point. Adding gold or crypto means taking that slice from the stock or bond side, which changes how the whole portfolio behaves in a sell-off.
How often should I rebalance my portfolio?
The SEC's investor guide notes that many experts recommend rebalancing on a regular schedule, such as every six or twelve months, or whenever an asset class drifts a set percentage away from its target. Consider trading costs and taxes before each rebalance.
How do I include a fund that holds several asset classes?
Split the fund by its holdings. For example, every $1,000 in the Wealtii Multi-Asset Balanced Allocation Fund is about $415 in crypto, $198 in a tokenized S&P 500 ETF and $387 in tokenized gold and silver at its target allocation as of 21 Oct 2026. Enter those amounts in the matching rows.
Sources & References
- SEC Investor.gov — Beginners' Guide to Asset Allocation, Diversification, and Rebalancing (accessed 21 Oct 2026)
- BlackRock — Sizing bitcoin in portfolios (11 Dec 2024; issuer of bitcoin ETFs) (accessed 21 Oct 2026)
- World Gold Council — Why bitcoin isn't the new gold (16 Aug 2024; industry body for gold) (accessed 21 Oct 2026)
Disclaimer: This content is for educational purposes only and does not constitute financial, tax, or legal advice. All calculator results and examples are hypothetical illustrations. Digital assets are volatile and you can lose some or all of your money. Wealtii is not licensed or registered with any financial regulator; see our regulatory status page.
