How the portfolio is invested, rebalanced, and charged
Portfolio mix
— equity
US Stocks
36%
Ex-US Dev Stocks
18%
EM Stocks
6%
US Bonds
24%
Ex-US Dev Bonds
12%
EM Bonds
4%
Approach
Single mix · 60% Equity / 40% Fixed Income
Expected return
6.7% nominal · 3.7% real
Rebalancing
Annual (January)
Annual drag
0.04%
STOCK / BOND
Approach
Fixed mix
Age-based
Detail level
Simple
Moderate
Advanced
One stock/bond mix for the whole household, set with two sliders.
% Stock
%
% International
%
MEDIAN % / YR
The blended expected return your allocation implies — the median annual growth used for the year-by-year projection. Add a ± adjustment to match another planning tool's assumed rate.
Return adjustment (%)
%
Blended
6.7%
+0.0% adjustment =
6.7%
nominal /
3.7%
real
PATH GENERATOR
How future returns are generated. Parametric (default) draws from your return & volatility assumptions; historical models replay the actual 1928–2025 record (Aswath Damodaran, NYU Stern) and ignore your assumptions.
Return model
DRIFT POLICY
Rebalance back to target allocation on a calendar schedule, or only when drift exceeds a threshold.
Trigger
Calendar
Threshold
Frequency
None
Annual
Semi-annual
Quarterly
How often the portfolio is rebalanced to target. 'None' never rebalances.
ANNUAL DRAG %
Annual costs are a constant drag applied every month — a percent or two compounds into a large difference in ending wealth over a multi-decade horizon.
Fund Expense Ratio
%
Advisory Fee
%
Platform / AUM Fee
%
Total annual drag:
0.04%
For educational and illustrative purposes only — not financial, tax, legal, or investment advice. Projections are model output, not predictions. See the full disclaimer on About.
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