Build a Personalized Investment Portfolio — In Seconds
Not sure how to divide your investments across stocks, bonds, and cash?
This tool recommends a custom asset allocation based on your age, risk tolerance, and how much you’re investing — so you can take action with confidence.
Whether you’re just getting started or looking to rebalance, this tool helps you align your investments with your goals.
Portfolio Allocator
Tired of all the serious number crunching? Get advice from Zultrich the Wealth Wizard. 🧙♂️
How It Works
Enter how much money you’re investing, your age, and your risk tolerance (Conservative, Moderate, or Aggressive). The calculator uses common asset allocation frameworks (like age-based glide paths and modern portfolio theory) to recommend a diversified portfolio tailored to your profile.
What You’ll Learn
- How much to put in US stocks, international stocks, bonds, and cash
- How your age and risk appetite affect your investment mix
- A starting point for building a long-term, balanced portfolio
- How to avoid overexposure to any single asset class
Example
If you’re 35, have a moderate risk tolerance, and are investing $10,000:
- US Stocks: $5,250
- International Stocks: $2,250
- Bonds: $2,000
- Cash: $500
This mix offers growth potential with a cushion against volatility.
Who Should Use This
This tool is great for:
- New investors unsure how to allocate their money
- DIY investors who want a second opinion on their mix
- People rebalancing portfolios based on age or risk changes
- Anyone who wants a simple framework — without hiring an advisor
Disclaimer
This calculator is for educational purposes only and does not constitute investment advice. Actual results depend on your unique goals, market performance, and financial situation. Always consult a professional before making investment decisions.
Not Sure What to Do Next?
Most people aren’t behind because they’re lazy — they’ve just never had a real system.
The Smart Money Blueprint shows you the 5 simple moves to go from uncertainty to retirement-ready.