Build a lazy three-fund portfolio with Vanguard, Fidelity, or Schwab funds. Choose from risk-based presets or set custom allocations. Projects 40-year growth, shows expense ratio drag, and provides a rebalancing guide. Client-side. Zero PII.
v1.0
Index Funds40-Year ProjectionZero PIIClient-Side
Scope & reliance —🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Embedded rates, thresholds, and regulatory citations are static reference values that may age — verify against current primary sources and your own data before relying on any output for commercial, legal, or compliance decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.
⚠️ Educational purposes only. Past returns are not indicative of future results. This tool uses historical averages for illustration only. Consult a qualified financial advisor before making investment decisions.
💼 Portfolio Setup
📊 Asset Allocation
🏦 Your Three Funds
📈 Growth Projection
Year
Contributed ($)
Nominal Value ($)
Real Value (today $)
Total Gain ($)
🔄 Rebalancing Guide
📚 References
Bogle, J.C. "The Little Book of Common Sense Investing," 2007 — three-fund passive portfolio philosophy.
Vanguard Research, "Vanguard's Framework for Constructing Diversified Portfolios," 2019.
Fama, E.F. & French, K.R. "Common risk factors in the returns on stocks and bonds," JFE, 1993.
Morningstar, "Expense Ratio Data — Broad-Market Index Funds," 2024 avg: VTI 0.03%, VXUS 0.07%, BND 0.03%.
Siegel, J. "Stocks for the Long Run," 8th ed. 2023 — long-run US equity real return ~6.7% p.a.