I have some SSB and stocks, how do i calculate the total return for SSB and stocks for year 1 and from the point I bought it? What do you recommend for asset allocation for certain age groups?

For SSB, you can check the returns via the ssb website. As for asset allocation, a good gauge would be to take 100 - your age. The answer should be your allocation to stocks, while the rest is in bonds.

For stocks, you might want to try out stocks cafe. This platform will calculate all your stock returns automatically for you. For SSB, you just have to take the coupon paid to you as your investment return.

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Asset allocation depends on individual risk appetite. For young people below age 40, I would think a portfolio of mainly stocks is good for long term investments. For those above 50, it would be better to invest in safer assets such as bonds or stable dividend stocks.