📊 Portfolio Diversification Planner

Plan your portfolio allocation across 6 asset classes. See dollar amounts per class, estimated blended return, and portfolio risk score — plus an instant allocation chart.

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Inputs
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Results
Allocation Total
US Stocks ($)
International Stocks ($)
Bonds ($)
REITs ($)
Cash ($)
Crypto/Alt ($)
Estimated Portfolio Risk
Est. Expected Annual Return
Expected Return = Σ (Asset Weight × Asset Expected Return)
Risk Score = Equity % × 10

Diversification reduces portfolio volatility without necessarily reducing expected returns — the classic free lunch of investing. A 60/40 portfolio (60% stocks, 40% bonds) has historically delivered ~7% annualized return with significantly lower drawdowns than 100% equities. Expected returns shown are long-run historical approximations, not guarantees.