• Risk Tolerance: Users can select their risk tolerance level (Conservative, Moderate, Aggressive).

• Time Horizon: Users can choose their investment time frame (Short-Term, Medium-Term, Long-Term).

• Investment Amount: Users can enter the amount they want to invest to calculate a suggested allocation across stocks, bonds, and cash.

1. Risk Tolerance and Time Horizon: The calculator considers a user’s risk tolerance and time horizon to suggest an allocation between stocks, bonds, and cash.

2. Suggested Allocations:

   • Conservative: Allocates more to bonds and cash.

   • Moderate: A balanced mix of stocks, bonds, and cash.

   • Aggressive: Allocates more to stocks.

3. Asset Allocation Based on Time Horizon:

   • Short-Term: Lower exposure to stocks and higher exposure to cash and bonds.

   • Medium-Term: Balanced exposure across stocks, bonds, and cash.

   • Long-Term: Higher exposure to stocks with less cash allocation.

Example Allocations:

• Conservative, Short-Term: 20% stocks, 50% bonds, 30% cash.

• Moderate, Medium-Term: 60% stocks, 30% bonds, 10% cash.

• Aggressive, Long-Term: 90% stocks, 10% bonds, 0% cash.