Most portfolio advice starts with a product. The free Global Portfolio Builder starts with three numbers: your age, what you have saved so far, and what you can add each year. From those it builds a five-way split across US stocks, developed world stocks outside the US, emerging market stocks, bonds and cash, then projects the mix to age 65.
The rules are printed on the tool, not hidden in a methodology PDF. Stocks start at 110 minus your age, kept between 25 and 90 percent. Cash is 5 percent before age 50 and 10 percent from age 50 on. Bonds take whatever is left. The stock part splits three ways, 55 percent US, 30 percent developed world outside the US, 15 percent emerging markets, and the five segments are rounded to whole percents so they always add to exactly 100.
How a build works
- Enter the three numbers. Age, money you have now, money you invest each year. Nothing else is asked.
- Read the donut. Your mix appears as five segments with percentages and dollar amounts at your current savings.
- Read the three tiles. What the mix could reach at 65, what you will have put in, and how much of the total is growth under the stated assumptions.
- Re-run it as life changes. A raise, a pause, a later start: change a number and rebuild.
Two free builds per day on this connection; after that, an email unlocks unlimited builds for the rest of the day, and the math itself runs in your browser. This site ranks the world's markets in the largest stock markets ranking and the best country to invest in analysis; the builder is where that country view turns into a personal split. The companion post runs one full build and argues with it: how much belongs outside the US. Index data behind rankings like these comes from providers such as S&P Dow Jones Indices. Or open the Global Portfolio Builder and try your own three numbers.