Portfolio Builder
Compare popular investment portfolios and test your retirement plan with different risk profiles.
Select Portfolio
Your Details
Savings & Investments
Retirement Income
In today's dollars
Pension, rental income, etc.
These are sample values to demonstrate portfolio comparison. Enter your own details for a personalized analysis. How is this calculated?
Three-Fund Portfolio
moderateThe classic Boglehead portfolio: US stocks, international stocks, and US bonds. Simple, diversified, low-cost.
Expected Return
6.3%
Volatility (Std Dev)
10.6%
Sharpe Ratio
0.39
Real Return
3.8%
Asset Allocation
Portfolio Comparison
Risk and return characteristics across all portfolios
| Portfolio | Risk | Return | Volatility | Sharpe |
|---|---|---|---|---|
| Three-Fund Portfolio | moderate | 6.3% | 10.6% | 0.39 |
| Aggressive Three-Fund | aggressive | 6.5% | 11.8% | 0.38 |
| Conservative Three-Fund | conservative | 5.7% | 7.2% | 0.44 |
| Classic 60/40 | moderate | 5.9% | 10.6% | 0.34 |
| All-Weather Portfolio | moderate | 5.6% | 7.5% | 0.42 |
| 100% US Stock Market | aggressive | 6.7% | 16.5% | 0.29 |
| Small-Cap Tilt | aggressive | 6.4% | 11.2% | 0.40 |
| Retirement Income | conservative | 5.2% | 5.9% | 0.43 |
Monte Carlo Simulation
Test your retirement plan against random market scenarios using the Three-Fund Portfolio risk profile.
Withdrawal Rate vs. Portfolio Success
Probability each portfolio survives through retirement at different withdrawal rates
Compare all 8 portfolios across 4 withdrawal rates to find the right balance of income and safety.
Understanding Portfolio Construction
The Boglehead Philosophy
Low-cost index funds, broad diversification, and long-term discipline. Most Boglehead portfolios can be built with just 2-4 funds.
Key Concepts
- Diversification — reduces risk without proportionally reducing returns
- Volatility — how much returns vary year to year; lower means smoother
- Sharpe Ratio — risk-adjusted return; higher means more return per unit of risk
- Rebalancing — returning to target allocation maintains your risk level
Choosing Your Portfolio
20+ years
Aggressive — time to recover from downturns
10-20 years
Moderate — balance growth and stability
<10 years
Conservative — protect against sequence risk