About You
Recommended Allocation
Based on your time horizon and risk profile, here's your recommended portfolio allocation:
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.