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January AAII Asset Allocation Survey: Bond Allocations Increase

by AAII Staff | February 02, 2026

Individual investors’ allocations to bonds increased while stock and cash allocations decreased in the January AAII Asset Allocation Survey.

Stock and stock fund allocations decreased 0.6 percentage points to 70.2%. Stock and stock fund allocations are above their historical average of 61.5% for the 68th consecutive month.

Bond and bond fund allocations increased 1.0 percentage points to 15.4%. Bond and bond fund allocations are below their historical average of 16.0% for the sixth time in 10 months.

Cash allocations decreased 0.4 percentage points to 14.4%. Cash allocations are below their historical average of 22.5% for the 38th consecutive month.



January AAII Asset Allocation Survey results:
  • Stocks and Stock Funds: 70.2%, down 0.6 percentage points
  • Bonds and Bond Funds: 15.4%, up 0.9 percentage points
  • Cash: 14.4%, down 0.4 percentage points
January AAII Asset Allocation Details:
  • Stocks: 29.1%, down 0.7 percentage points
  • Stocks Funds: 41.1%, up 0.1 percentage points
  • Bonds: 4.5%, down 0.2 percentage points
  • Bond Funds: 10.8%, up 1.1 percentage points
Historical averages:

  • Stocks/Stock Funds: 61.5%
  • Bonds/Bond Funds: 16.0%
  • Cash: 22.5%

Take the Asset Allocation Survey.

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