Get a rough idea of an appropriate asset allocation percentage for you by subtracting your age from 100. If you are 35 years old, 35% of your portfolio should be in cash and short term investments such as CDs and money market accounts. 65% of your portfolio should be in long term investments such as stocks and stock mutual funds. Don't take this percentage to the bank, however. Adjust your asset allocation percentages according to your risk tolerance level and investment goals.

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