Asset Allocation Explorer

Enter one number and see it laid out under five published investment philosophies, side by side. A steward compares maps before walking. This page is the map table.

Education, not advice. These are published frameworks people follow, laid out at your number so you can compare them. Nothing here is a recommendation to buy or sell anything. Talk to a licensed professional before investing.

Your number

Type an amount or tap a preset. Every card below re-prices instantly.

$

Three-Fund Index

Boglehead style · at $100,000

Total US stock market · 60%$0
International stocks · 30%$0
Bonds · 10%$0

Popularized by the Bogleheads community, this splits everything across three broad, low-cost index funds and rebalances about once a year. The goal is to own the whole market cheaply rather than pick winners. No stock picking, no market timing, very little maintenance.

Often favored by Hands-off long-term index investors.
Common criticism Full stock-market volatility on the way down.

Classic 60/40

The traditional balanced portfolio · at $100,000

Stocks · 60%$0
Bonds · 40%$0

The default balanced portfolio for decades: 60% stocks for growth, 40% bonds for stability. It aims to capture most of the market’s upside while softening the drops. Countless pension funds and target-date funds are built on some version of it.

Often favored by Retirees and near-retirees wanting smoother rides.
Common criticism Bonds and stocks can fall together, as 2022 showed.

Debt-First Growth

Ramsey style · at $100,000

Growth stock funds · 100%$0

Dave Ramsey’s published approach puts 100% into growth stock mutual funds, but only after every non-mortgage debt is gone and 3 to 6 months of expenses sit in savings. The allocation itself is simple; the prerequisites are the point. Investing waits until the household’s foundation is set.

Often favored by Debt-free households with stable income.
Common criticism No bond cushion and mutual fund fees can drag returns.

All-Weather

Ray Dalio · at $100,000

Stocks · 30%$0
Long-term bonds · 40%$0
Intermediate bonds · 15%$0
Gold · 7.5%$0
Commodities · 7.5%$0

Ray Dalio’s All-Weather portfolio is built to hold up across economic seasons rather than maximize any one of them. Each piece is chosen for a different environment: stocks for growth, long bonds for deflation, gold and commodities for inflation. The aim is a ride smooth enough to stay on.

Often favored by People who prioritize not losing over winning big.
Common criticism Heavy bond weighting mutes long bull markets.

Age-in-Bonds Rule

The old rule of thumb · at $100,000

Stocks · 65%$0
Bonds · 35%$0

One of the oldest rules of thumb in investing: hold your age as a percentage in bonds and the rest in stocks. At 35 that means 35% bonds and 65% stocks, shifting slightly more conservative every birthday. Change the age above and watch the split move.

Often favored by People who want one simple rule that de-risks with time.
Common criticism Arguably too conservative for long retirements.
Why lay them side by side? None of these frameworks is secret. Each has been published, argued over, and followed by millions of households for decades. Seeing them priced at your actual number turns abstract percentages into real dollars, and that makes the differences between the maps easier to weigh. A steward compares maps before walking.

Keep learning at your own pace.

Get the free Build to Last Blueprint. A short framework PDF for households doing the patient work of understanding money before moving it.

Track the number itself
The free Net Worth Calculator. Assets minus liabilities, written down honestly.
Own the Budget App
The anti-subscription budgeting tool. Family 50/30/20, manual entry, $24 once.