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  1. Knowledge
  2. ›Glossary
  3. ›Asset Allocation

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Asset Allocation

Asset allocation is the way wealth is divided across different asset classes such as equities, bonds and real estate.

Asset allocation refers to the strategic division of wealth across different asset classes such as equities, bonds, real estate and cash. It is regarded as the most important factor for long-term investment success.

Studies suggest that, historically, over 90 % of a portfolio's return variation traces back to asset allocation rather than to the selection of individual securities or to market timing.

The optimal allocation depends on three factors: investment horizon, risk tolerance and financial goals. The longer the horizon, the higher the equity share can generally be.

Related terms

DiversificationRebalancingVolatility

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