Three-Fund Portfolio Allocation Calculator
Split your portfolio across a classic three-fund lineup — US stocks, international stocks and bonds — with dollar amounts and your true stock/bond mix.
How it works
Weights are normalized to 100%, then amount = total · weight. Stock share = US% + international%
The three-fund portfolio holds the entire investable market in three low-cost index funds: US stocks, international stocks and bonds. Your weights are normalized so they always total 100%, then applied to the portfolio value to give exact dollar targets for each fund. The headline is the true stock/bond split, which is what actually drives your risk — international-versus-US is a second-order choice within the stock sleeve.
Worked example
On $100,000 with 50% US, 20% international and 30% bonds, you hold $50,000 US, $20,000 international and $30,000 bonds — a 70/30 stock/bond portfolio. Enter weights that sum to anything and they are rescaled to 100% automatically.
Frequently asked questions
Why only three funds?
Three broad index funds capture essentially the whole global stock and bond market at rock-bottom cost, with nothing to tinker with. The simplicity is the point: fewer holdings means less overlap, easier rebalancing and lower fees than a portfolio of many niche funds.
How much international should I hold?
Common guidance puts international at 20–40% of the stock sleeve; total global market weight is closer to 40%. There is no single right answer — pick a share you can hold through periods when US and international take turns leading, and stay consistent.
What sets the stock/bond ratio?
Your time horizon and risk tolerance. A longer horizon supports more stocks; nearing a goal argues for more bonds. Age-based rules of thumb (like 110 or 120 minus your age in stocks) are a starting point, not a mandate.
Related calculators
Educational estimate, not investment or tax advice.