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What should I invest in?
Most people only need one or two low-cost index funds. Tell me which account it is for, answer a few questions, and pick your brokerage to see an example mix.
Portfolio builder
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About you
02
Your brokerage
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Example portfolio
Answer the questions and pick a brokerage to see the example portfolio.
Illustrative example, not a client result. Not tax or legal advice. For education only, not personalized investment advice. The funds shown are examples of low-cost index funds, not a recommendation for your situation. Read each fund's prospectus before investing. DIYFi Advisors is not affiliated with or paid by Schwab, Fidelity, Vanguard, or iShares.
How this works
What the tool assumes
- 01
Buy the whole market
No one reliably picks winning stocks. One or two broad index funds own thousands of companies around the world at a very low cost. - 02
Bonds when time or nerves are short
If you are within about ten years of needing the money, or a crash would tempt you to sell, the mix holds about 20% in bonds. - 03
Target date funds for retirement accounts
In an IRA or 401(k), one target date fund near the year you turn 65 handles the mix and rebalancing for you.
Why this mix
Simple on purpose
- 01
Why international stocks?
U.S. stocks have led since 2008, but leadership rotates. Holding both means you do not have to guess which market wins next. - 02
Why not a single sector or the S&P 500 alone?
Any broad basket of stocks has about the same expected return. Tilting toward one sector or one country adds risk you are not paid for. - 03
Why bonds?
Bonds soften the drop in a crash. That matters most when you will need the money soon, or when a big loss would push you to sell at the bottom.
Start with a free 30-minute consult
Have accounts with too many funds or high costs? Bring them to the consult and we will look together.
Book a free 30-minute consult