Balanced growth, comfortable riding out a 10+ year horizon.
Not sure? Let this suggest a level.
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Raw total: 100%
Stocks60%
Tap a line to see what typically goes inside it.
Where Will This Live?
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In a taxable account, bonds and REITs get taxed every year — lean on stock index funds here if you can.
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A good home for bonds and REITs — their income compounds without an annual tax bill.
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Grows completely tax-free — a good home for your highest-growth assets, typically stocks.
Combined: $100,000 — used as your starting balance below.
Your Numbers
Illustrative Return
~7.7%/yr
Illustrative Volatility
~14.0%
Volatility is a simple weighted average across asset classes and ignores diversification between them — real swings are typically a bit smaller than this.
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NominalToday's $ (Inflation-Adjusted)
After 20 years$100,000
In today's dollars$100,000
Stress Test
See how a single bad year affects the trajectory, depending on when it hits.
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No Bad YearWith The Drop
Without it: $0
With it: $0
Difference: $0
This assumes the same steady return afterward and that you don't sell during the dip. A real bad year wouldn't look this clean — but it shows why a downturn late in a long stretch of saving can hurt more than the same drop early on.