Cat-13 · pf-134 · Personal Finance & FIRE

Three-Fund Portfolio Builder

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.

Index Funds 40-Year Projection Zero PII Client-Side
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
⚠️ 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.