Allocator
Portfolio Allocator
Get a starter stock/bond/cash mix based on your age and risk tolerance. Each row maps to a low-cost ETF.
US Stocks
VTI / ITOT
60%
International Stocks
VXUS / IXUS
26%
Bonds
BND / AGG
12%
Cash
HYSA / SGOV
2%
FAQ
How does this allocator decide my mix?
It starts from the classic 'age in bonds' heuristic (bond % ≈ your age), then tilts more or less aggressive based on your risk score. The output is a starting point, not personalized advice.
Where does the international slice come from?
We split the stock allocation 70/30 between US and international based on the global market-cap split, which is a common default among index investors.