Bogleheads

Asset Allocation Calculator

About You

$10,000
$1,000$1,000,000
30 years
1 year30 years

Recommended Allocation

Based on your time horizon and risk profile, here's your recommended portfolio allocation:

Total StockMarket63.0%TotalInternationalStock27.0%Total BondMarket10.0%

Investment Projection

Initial Investment

$10,000

Projected Value in 30 years

$57,434.912

Total Return

+$47,434.912

(474.3%)

Implementation Guide

1. Investment Strategy

The Bogleheads Three-Fund Portfolio

  • Total US Stock Market — domestic stock exposure
  • Total International Stock Market — international exposure
  • Total Bond Market — fixed income

The allocation automatically adjusts based on your time horizon and risk appetite: Shorter time horizons increase bond allocation for lower risk, while risk appetite adjusts the stock/bond ratio further.

2. Recommended Funds

Here are low-cost index funds from major brokerages that match this strategy:

Vanguard

  • Total US Market

    VTSAX / VTI

  • International

    VTIAX / VXUS

  • Total Bond

    VBTLX / BND

Fidelity

  • Total US Market

    FSKAX / FZROX

  • International

    FTIHX / FZILX

  • Total Bond

    FXNAX

Schwab

  • Total US Market

    SWTSX / SCHB

  • International

    SWISX / SCHF

  • Total Bond

    SWAGX / SCHZ

Note: Fund symbols listed as "Mutual Fund / ETF" where applicable. All funds are low-cost index funds with similar investment objectives. Expense ratios and minimum investments vary by fund and share class.

DISCLAIMER: This tool is for educational and illustrative purposes only. It is not intended to provide investment advice. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making any investment decisions.