Three proven allocations across different risk and horizon profiles. Every ETF is available through most of the brokers we cover.
Default scenario: $10,000 deposit · 10-year horizon · balanced risk
Customize ↓Capital preservation. Less volatility, less return.
Classic 60/40 tuned for international diversification.
Stock-heavy. Drawdowns up to -40% are acceptable with a long horizon.
Projected accumulation with $500/month contributions. Based on each portfolio's average annual return.
All three portfolios are built from a handful of liquid ETFs. Here's where they're available.
Filter by risk profile, inspect each portfolio's holdings, and see which broker carries every ETF.
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Risk tolerance
Classic Bogleheads allocation: US + International stocks + Bonds
Simple 80/20 split between S&P 500 index and bonds
World stocks + international bonds + REITs + gold
Bond-heavy portfolio for capital preservation
Tech-focused high-growth portfolio (NASDAQ-100, ARK)
Past performance does not guarantee future results. This is not investment advice.