ETF Allocation Mix Calculator
Find your optimal stock/bond portfolio mix based on 120+ years of historical market data. Discover the perfect balance for your risk tolerance and investment goals.
Portfolio Allocation
Select your mix and time horizon
Investment Mix
Holding Period
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Click on any bar to select that allocation mix · Performance over 20 years
Data Source: Vanguard calculations based on data from Refinitiv and Bloomberg (1901-2024). Past performance does not guarantee future results. Historical returns are adjusted for inflation. Your actual results will vary based on market conditions, fees, and taxes.
FAQs
We use Vanguard's comprehensive historical data from 1901-2024, covering over 120 years of stock and bond market performance. All returns are adjusted for inflation to show real purchasing power.
Yes, most experts recommend rebalancing annually or when your allocation drifts more than 5-10% from your target. This helps maintain your desired risk level and can improve returns.
Use low-cost broad market ETFs like total stock market and total bond market funds. Popular options include VTI/VXUS for stocks and BND/BNDX for bonds. Our personalized plan includes specific ETF suggestions.
No, historical data provides valuable context but doesn't guarantee future returns. However, the relationship between risk and return has remained consistent over long periods, making historical analysis useful for planning.
What's Next
This covers your liquid assets — your total portfolio could also include leveraged real estate.
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