資産配分ウィザード

5つのリスク水準ごとの配分例と、10年間の複利パスの目安。一般的な情報であり、あなたへの推奨ではありません。

Example allocations by risk level

General information only. These are textbook examples for each risk level, not a recommendation for you. They do not take your goals, finances or needs into account. Consider speaking with a licensed financial adviser before you invest.

Which band do your answers fall in? · 0/6

1. 投資期間はどれくらいですか?

2. 1 年間でポートフォリオが 25% 下落したら、どうしますか?

3. ご自身の投資知識をどう評価しますか?

4. 流動純資産のうち本ポートフォリオに振り向ける割合は?

5. もっとも魅力的なリターン/リスクプロファイルは?

6. 今後 12 か月以内にこの資金を必要としますか?

Pick a risk level above to see an example allocation, or answer the six questions to see which band your answers fall in.

Asset allocation - how you split money across stocks, bonds, cash, and alternatives - explains the vast majority of portfolio variation. Studies suggest 80-90% of long-run return variation comes from allocation, not stock-picking. This wizard surveys your goals, horizon, and risk tolerance, then suggests a model portfolio plus a 10-year backtest.

すべてのラボは標準的な教科書の数学に基づいています（Bodie / Kane / Marcus、Fabozzi、Tandelilin）。 Read the full methodology in the How It Works panel above.