Asset Allocation by Life Stage: Build My Glide Path

The right split at thirty is the wrong split at sixty-five. Using your age, retirement target, portfolio value and monthly contribution, this designs a glide path showing how equities, bonds, cash and alternatives should shift across accumulation, pre-retirement and drawdown, with the reasoning at each stage. For investors who want their allocation to age with them rather than sit still.

I am {AGE} years old and plan to retire at age {RETIREMENT_AGE}. My current portfolio is worth {PORTFOLIO_VALUE} and I contribute {MONTHLY_CONTRIBUTION} per month. Design a personalised asset allocation glide path for me, showing how my equity, bond, cash and alternatives split should evolve from now until 10 years into retirement. For each stage (accumulation, pre-retirement, drawdown), explain: (1) the recommended allocation and rationale; (2) the key risk I am protecting against at that stage; (3) one specific low-cost fund or asset class example for each allocation bucket. Present the glide path as a simple table. My risk tolerance is {RISK_TOLERANCE} and I have {OTHER_INCOME_SOURCES} as other income in retirement.