Model Portfolio Builder
What would a smart portfolio
actually look like?
Answer three questions and we'll show you a simple, diversified portfolio using the same low-cost Vanguard funds the best robo-advisors use.
Vanguard Total Stock Market ETF
Owns a piece of every publicly traded US company. The backbone of any portfolio.
Compare alternativesVanguard Total International Stock ETF
Every major company outside the US. Europe, Asia, emerging markets — global diversification.
Compare alternativesVanguard Total Bond Market ETF
US government and corporate bonds. The stabilizer — grows slower but cushions the drops.
Compare alternativesVanguard Total International Bond ETF
Bonds from governments and companies worldwide. Extra diversification for your safe money.
Why this mix?
With decades until retirement, you can ride out market dips. This portfolio leans heavily into stocks for maximum long-term growth.
Your blended expense ratio is just 0.046% — that's $5 per year for every $10,000 invested. A typical financial advisor charges 1% ($100 per $10,000). This portfolio costs 95% less.
How to actually buy this
Open a brokerage account at Vanguard, Fidelity, or Schwab. Search for each ticker. Buy the percentages above. Set up monthly auto-invest. That's it — you just did what a robo-advisor charges 0.25% for.
← Back to the Fast TrackImportant: This is a simplified educational model, not personalized investment advice. Real portfolio allocation depends on your complete financial picture — income, debts, tax situation, existing accounts, and goals. The allocations shown are based on general age-based and risk-based guidelines similar to those used by robo-advisors. Past performance does not guarantee future results. Make sure you understand these investments and how they fit your specific situation before buying.