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Build Portfolio
Pick how hard you want to press, what the money is for, and how long it can sit. Optional bitcoin, income, and ballast tilts shape a mix you can actually read. Choose the kinds of funds you want in the stock sleeve — aristocrats, covered calls, growth, value, and the sectors with a long record — and read what each type actually is.
Aggressiveness
Goal
Timeframe
Bitcoin allocation
Mix options
What to put in the mix
Turn on the types you want. They share most of the stock sleeve and leave a broad US core. The note under each name is the type of fund, not a rating.
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The mix
Balanced mix · 64% stocks · 10–20 years
Aggressiveness set the stock share, then the a long clock capped it at 64%. Bonds 32% and cash 4% are the shock absorbers — not dead weight.
Stocks
64%
Bonds & ballast
32%
Cash
4%
Bitcoin
Off
Tap a sleeve for the lesson.
Crash replay
How this mix would have fallen
The same weights, marked through a real crash. Pick a window. If an example ETF was not listed yet, a stand-in that was trading is named below. This is a replay, not a forecast and not advice.
Replaying the tape…
Illustration · 15 years
$91,729
If the starting pile is $10,000 and you add $250 a month, a bland 5.8% annual guess compounds to about that. You would have put in $55,000. This is a napkin, not a forecast — real returns wander, and fees, tax, and panic selling are not in the math.