Build your portfolio mix

Start with a risk profile, then adjust stock, bond, and cash percentages.

Allocation presets: these general starting points are not individualized investment advice. Consider your full financial circumstances, goals, time horizon, and ability to handle losses.

Customize allocation

Every adjustment keeps the total at 100%.

100% total

Stocks · U.S. and optional international70%

Bonds · broad bond funds30%

Cash / short-term reserves0%

Estimated annual return assumption6.1%

The return assumption is a simple weighted average (stocks 7%, bonds 4%, cash 2%) for projections. It is not a forecast.

Allocation view

Percentages are targets, not holdings.

70%stocks

Stocks70%

Bonds30%

Cash0%

Diversified fund categories

Broad index fund categories to consider in your research.

U.S. stocks

Broad total-market or S&P 500 index mutual funds / ETFs. A total-market fund can include large, mid, and small U.S. companies.

International stocks

Broad developed and emerging-market index funds can diversify beyond U.S. companies. This is an optional category.

U.S. bonds

Broad investment-grade U.S. bond-market index funds can add interest-rate and credit exposure; bond values can fall.

Short-term reserves

Cash equivalents or Treasury bills may fit near-term goals, but their yield and purchasing power can change.

These fund categories are not endorsements. Compare expense ratios, index methodology, tax treatment, and risks in each fund’s official documents.