Portfolio Simplifier

Apply the Bogleheads 3-Fund Philosophy to your existing holdings

1
Enter Holdings
2
Analysis
3
3-Fund Plan
4
Action Plan
1
Enter Your Current Holdings
Used to calculate your target allocation
Determines which specific funds are suggested
Fund / Stock Name Ticker Value ($) Exp. Ratio (%) Account Type
2
Portfolio Analysis

Current Allocation

3
Recommended 3-Fund Allocation
4
Your Action Plan

Rebalancing Steps

Tax-Efficient Asset Location Tips

Taxable Account

  • Total US Stock Market (VTI / FSKAX) — very tax-efficient, low turnover
  • International Stocks (VXUS / FSPSX) — foreign tax credit benefit
  • Avoid holding bonds here (interest taxed as ordinary income)

Traditional IRA / 401(k)

  • Bonds (BND / FXNAX) — interest sheltered from annual taxation
  • REITs or high-dividend funds — tax-deferred growth
  • Any funds with high turnover or large distributions

Roth IRA

  • Highest expected growth assets (US/Intl stocks)
  • All growth is permanently tax-free
  • Ideal for funds you plan to hold for decades

Learn More About the Bogleheads 3-Fund Portfolio

The 3-Fund Portfolio is a simple yet powerful investing strategy championed by the Bogleheads community. Using just three low-cost index funds — US stocks, international stocks, and bonds — you can achieve broad diversification, minimize fees, and stay on course through market volatility.

Simplicity is a feature, not a bug. Studies consistently show that most actively managed funds underperform their benchmark index over the long run, especially after fees.

Read the Bogleheads Guide