Portfolio Builder

Compare popular investment portfolios and test your retirement plan with different risk profiles.

Select Portfolio

Your Details

35
1880
65
5080
90
66100

Savings & Investments

$
$

Retirement Income

$

In today's dollars

$
67
6270
$

Pension, rental income, etc.

%

Three-Fund Portfolio

moderate

The classic Boglehead portfolio: US stocks, international stocks, and US bonds. Simple, diversified, low-cost.

Expected Return

8.3%

Volatility (Std Dev)

14.0%

Sharpe Ratio

0.38

Real Return

5.1%

Asset Allocation

US Total Stock MarketVTSAX/VTI
50%
International StocksVTIAX/VXUS
20%
US Total Bond MarketVBTLX/BND
30%

Portfolio Comparison

Risk and return characteristics across all portfolios

PortfolioRiskReturnVolatilitySharpe
Three-Fund Portfoliomoderate8.3%14.0%0.38
Aggressive Three-Fundaggressive8.8%15.8%0.36
Conservative Three-Fundconservative6.8%9.2%0.41
Classic 60/40moderate8.1%12.2%0.42
All-Weather Portfoliomoderate6.6%8.6%0.42
100% US Stock Marketaggressive10.3%19.7%0.37
Small-Cap Value Tiltaggressive8.9%15.5%0.38
Retirement Incomeconservative5.9%7.4%0.40

Monte Carlo Simulation

500 iterations

Test your retirement plan against random market scenarios using the Three-Fund Portfolio risk profile.

Advanced uses fat tails, regime switching, and 10,000 iterations

AI Insights

3 remaining today

Get personalized analysis of your financial scenario with actionable recommendations.

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