The Stocks and Bonds Portfolio Builder allows you to analyze and simulate a custom multi-asset portfolio. Traditionally, financial advisors and investors have frequently recommended a classic 60/40 asset allocation—consisting of 60% equities for long-term capital appreciation and 40% fixed income for stability, income generation, and risk mitigation. This balanced split is designed to capture a significant portion of the stock market's growth while cushioning the portfolio against severe market draw downs.

Using this tool, select a stock ETF (exchange-traded fund), a bond ETF and any other other asset class allocation with a fixed annual return including cash, specify your percentage weightings, historical time frame and initial investment. The calculator fetches split- and dividend-adjusted closing stock ETF and bond ETF prices via Alpha Vantage, displays historical price charts with regression trendlines and computes final valuation, total returns and annualized returns across all asset classes.

For a list of the stock and bond ETFs see Equity ETF List and Bond ETF List.

The sensitivity table below models historical portfolio performance across varying stock and bond allocations while keeping your selected other asset weighting constant at 20.0% over the same historical period (9.9 years). Your current selection is highlighted in yellow.