Portfolio Builder

Ten years are picked at random from US history since 1928, without their dates. Your $10,000 is split between stocks, bonds and cash as you choose; cash takes whatever stocks and bonds leave. Without rebalancing the mix drifts with the markets; rebalancing resets it every twelve months. The dashed line is the classic 60/40, 60% stocks and 40% bonds rebalanced every year.

Stocks are the S&P 500 with dividends. Bonds are a 10-year US Treasury bought each month at par, its return the coupon plus the price change as yields move, from Robert Shiller's long rate and FRED. Cash earns a flat 2% a year. Monthly returns; no fees, no taxes.

Press Run again to try another mix on the same years. For information and education only. Not investment advice.