Tool 02 · Portfolio Builder

PORTFOLIO BUILDER

Take the risk quiz, build your allocation, pick your funds, and get a personalized rebalancing plan for the accumulation phase.

① Risk Quiz
② Build Allocation
③ My Plan

WHAT'S YOUR RISK PROFILE?

5 quick questions to find your investor personality and build a starting allocation.

Question 1 of 5 0%
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Your Risk Profile
Aggressive Growth
You can stomach volatility for maximum long-term returns.
Asset Allocation 100%
Sliders go up to 80% per asset. Adjust until total = 100%. The donut and metrics update live.
Your Allocation
Stocks
0%
equity exposure
Portfolio Metrics
REBALANCE RULES
Check allocation every 12 months — or after a 5%+ market swing
If any asset drifts ±5% from target, rebalance back
Rebalance by redirecting new contributions first (avoids tax events)
Inside 401(k)/IRA, rebalance freely — no tax consequence
Shift 5–10% more to bonds every decade as you age
Your Personalized Portfolio Plan

GROWTH PORTFOLIO

Equity Exposure
0%
Fixed Income
0%
Expected Return
0%
Volatility Level
—
Avg Expense Ratio
~0.05%
Rebalance Frequency
Annual
TARGET ALLOCATION
GLIDE PATH — HOW TO SHIFT AS YOU AGE
RECOMMENDED INDEX FUNDS
Low-cost, broad-market index funds — not individual stocks. These are illustrative examples, not advice.
MY HOLDINGS TRACKER
Fill in your actual holdings below. Use this as your reference sheet for rebalancing reviews.
Account Ticker Asset Class Shares / Units Cost Basis ($) Current Value ($) % of Portfolio
💡 Track this annually. Your target allocation appears above — compare actual % vs target to find what needs rebalancing.
ACCOUNT SUMMARY
Track each account separately. Different accounts have different tax treatments.
Account Type Institution 2025 Contribution Limit My Contribution (YTD) Balance Tax Treatment
REBALANCING LOG
Date Action Taken Notes
Log each rebalancing event. Aim for once a year at minimum.
PORTFOLIO MANAGEMENT RULES
MY ACTION PLAN — NEXT STEPS
Use this checklist to get your portfolio set up. Check each item off as you complete it.
MY NOTES & INVESTMENT JOURNAL
Why I'm Investing
[Write your investment purpose here — e.g. retire at 60, fund kids' education, financial independence]
My Risk Guardrails
[Write your personal rules — e.g. never sell during a crash, max 80% stocks until 40]
Last Reviewed
[Date of last portfolio review and any changes made]
Next Review Scheduled
[Schedule your next annual review — e.g. January 15, 2026]
Next: Run Retirement Projector →
📚 Fund suggestions are illustrative examples — not personalized investment advice. Always read prospectuses. For education only · ← Future You Home