Beginner tool · Cash
Diversification Builder
“Adding bonds lowers risk. They often hold steady exactly when shares are falling.”
— Cash
Biggest slice
🌍World stocks55%
One fund that owns a slice of thousands of companies all over the world.
Diversification
6.4/10
Balance
8.6/10
Volatility
±9.1%
Long-run return*
5.9%
Horizon
5+ yrs
Behaves like
2.7×
🎁 Diversification is saving you about 2.0 percentage points of swing — the same mix with everything moving together would be ±11.2%.
Start from a template
Shares
One fund that owns a slice of thousands of companies all over the world.
The biggest companies in the United States — strong long-run growth, but one country.
Companies listed across Europe — closer to home, a bit slower-growing historically.
Fast-developing economies like India and Brazil — more growth potential, bumpier ride.
Companies in Japan, Australia and the wider Pacific region.
Smaller companies — more room to grow, and more room to fall.
A concentrated bet on tech and AI companies — high growth, high swings.
Companies that pay out part of their profit to you regularly, usually steadier.
Property
Own a share of buildings — offices, homes, warehouses — without buying one.
Commodities
An old store of value. Pays you nothing, but often holds up when shares fall.
Raw materials like oil, copper and wheat — can protect against rising prices.
Crypto
Digital, scarce and extremely volatile. Nobody can reliably predict its return.
A crypto platform for apps and contracts — even more volatile than Bitcoin.
Smaller coins. Many go to zero — treat this as the riskiest slice of all.
Safety
You lend money to governments or companies and get paid interest. The classic shock absorber.
Safe, boring and instantly available — perfect for money you'll need soon.
Your emergency buffer. Loses a little to inflation, but never crashes.
Slider values are automatically rebalanced to add up to 100%.
🔮 What happens if…
Stress-test your mix against a rough year. This is the whole reason diversification exists.
🔍 How these numbers work
Risk — portfolio volatility is calculated with a correlation matrix, not a simple average. That's why mixing assets that don't move together genuinely lowers the number, exactly as it does in real life.
Returns — rounded long-run historical averages, used to illustrate trade-offs. They are not forecasts and the future will differ.
Crypto — deliberately given a modest expected return and a very large volatility. Nobody can reliably predict crypto returns, so the tool shows the uncertainty rather than a promise.
Done exploring? 🌲
Nice work — your progress is saved. Pick what's next.
⚠️ Educational only · Not investment advice and not a recommended allocation for any person · Asset classes are abstract, not specific funds · *Illustrative long-run averages, not predictions