Planning Tools

Asset Allocation Calculator

Which of the following best describes what you need from your overall portfolio?

I don't need a lot of growth potential. Rather, I need a steady, relatively predictable flow of income.

I need growth to keep building toward future goals, but I don't want to put a major portion of my assets in investments that may fluctuate a lot.

I don't need income right now. I'm more interested in giving my portfolio as much growth potential as possible over the long term.

Low Growth High Income

Moderate Growth Moderate Income

High Growth Low Income

Below, you'll see three hypothetical investments, with approximate rate of returns of 5%, 7.5%, and 11.5%. The charts show how $10,000 would have grown in each investment had you invested 10 years ago and not added or removed any money. Which investment – taking into account both return and volatility – looks most attractive to you?

How would you describe the types of investments you've made in the past?

	I've never invested in mutual funds, or individual stocks or bonds.
	I've made investments in individual securities, or stock or bond mutual funds.
	I've invested in stock and bond mutual funds, as well as options, futures, limited partnerships or international securities.

If you invested $10,000 in a stock mutual fund with a good historical performance record, and you lost $1,000 (10%) over the course of a few months, you would...

	Sit tight and hope the fund would bounce back.
	Invest an additional amount, since the fund's shares now cost less to buy.
	Sell your shares in an effort to avoid possible further losses.

Do you have an emergency fund for short-term (less than one year) cash needs?

	Yes
	No

How much of your monthly income is used to pay off debt? (e.g., credit cards, auto loans, other installment loans, but not your home mortgage)

	Less than 10%
	10% to 25%
	More than 25%

Which statement best describes your long-term investment strategy?

	I'm willing to accept only a small degree of investment risk.
	I'm willing to take a moderate degree of risk with my investments today for potentially higher rewards in the future.
	I'm willing to take substantial investment risk to reap potentially substantial rewards.

How much time do you have to reach your primary investment goal?

	Less than 1 year
	1 to 5 years
	6 to 10 years
	More than 10 years

The tools and calculators provided on this site are for educational and illustrative purposes only. Wells Fargo makes no representations as to their accuracy and assumes no liability for such content. The accuracy of the calculations and their applicability to your circumstances are not guaranteed. For personal advice regarding your financial situation, please consult with a financial advisor.

This Web site is accompanied by current prospectuses for Wells Fargo Advantage Funds^®, an EdVest^SM program description, and a tomorrow's scholar^® program description.

For 529 plans, an investor's or a designated beneficiary's home state may offer state tax or other benefits that are only available for investments in that state's qualified tuition program. Please consider this before investing.

Not FDIC Insured • No Bank Guarantee • May Lose Value

©2008 Wells Fargo Funds Management, LLC. All rights reserved. EdVest and tomorrow's scholar are state-sponsored 529 college savings plans administered by the Wisconsin Office of the State Treasurer. Wells Fargo Funds Management, LLC, a wholly owned subsidiary of Wells Fargo & Company, provides investment advisory and administrative services for Wells Fargo Managed Account Services, Wells Fargo Advantage Funds, the Wells Fargo Advisor^SM program, and the EdVest and tomorrow's scholar plans. Other affiliates of Wells Fargo & Company provide subadvisory and other services for the Funds. The Funds and shares in the 529 plans are distributed by Wells Fargo Funds Distributor, LLC, Member FINRA/SIPC, an affiliate of Wells Fargo & Company.

This Web site is for information purposes only and is not intended as a solicitation to sell or buy any security. Wells Fargo Advantage Funds are offered by prospectus and only to residents of the United States. Wells Fargo does not control or endorse and is not responsible for third-party Web sites to which this site links.

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