Portfolio Builder
How you split your money across assets drives most of your long-term return. This builder lets you set an allocation across stocks and ETFs, bonds, real estate, gold, cash and alternatives, adjust each one's expected return, and see the blended return your mix produces. It then projects how a starting balance plus regular contributions could grow at that rate, so you can compare a conservative, balanced, or aggressive portfolio side by side.
Set any class by dollars or the slider, the rest rebalance so you always stay at 100%.
Diversification trims your risk from 11.6% (the average of the parts) to 9.3% (the portfolio), because the assets don't all move together.
How it works
The effective return is the weighted average of each asset's return by its share of the portfolio (weights are normalised to 100%). Portfolio risk is the annualised volatility from the full covariance of the holdings, so low-correlation assets lower it below the simple average. For a mortgaged property the return and risk are measured on your equity: leverage of loan-to-value multiplies the gap between your yield and your mortgage rate, in both directions. Long-run averages, not guarantees. Educational only.
Free and private: the numbers you enter stay in your browser. Educational only, not investment advice.