There are many different opinions among experts as to the proper allocations of portfolios for investors nearing retirement. The main differences in opinion stem from how near to retirement age you are, and your tolerance for risk, among many other factors. For example, one retiree may require much more income from investments than another retiree, and therefore may require higher-producing investments before and during retirement. Generally, most experts use the rule of your age subtracted from 100 to determine what percentage of your portfolio should be allocated to equities; the remaining amount is allocated to bonds and cash. Some experts believe you can adjust the rule to 110–125 minus your age to help you decide what percentage of your portfolio should be allocated to equities, and the remainder to bonds and cash, if you want a more aggressive portfolio.