---
title: How Much Should I Invest in Stocks? In Bonds?
description: Financial advisers share a rule of thumb for determining how your investments should be divided up.
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published: '2015-12-09T11:00:20.000Z'
modified: '2024-04-02T05:03:53.000Z'
section: Investing
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> **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/).

![Couple Investing in Stocks and Bonds](https://img.money.com/2015/12/151208_inv_stocksbonds_grab_1.png)

*In this series, [Tips from the Pros](https://money.com/topic/tips-from-the-pros/)*, *Money taps the collective wisdom of expert financial planners.*

There is a difference between stocks and bonds. The stock market offers investment growth, but higher risk. Bonds are less for growth and more for a steady stream of income. If you want to know how you should be investing your retirement portfolio, one good rule of thumb is to take your age and subtract it from 110. The number you get is the percentage of your long-term investments to invest in stocks; the rest can go into a bond fund.

Featured Advisers:

David Frisch [Frisch Financial Group](http://www.frischfinancial.com/home)

Jeffrey Golden [Circle Advisers](http://www.cadvinc.com)

**Read Next: [Why You Need to Invest](https://money.com/collection-post/why-invest/)**

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