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Your Real Investment Plan Starts Here

This isn't a simulation. Use the tools below to analyze your current status, build a diversified portfolio, and calculate your path to financial liberty.

Start Your Assessment

1. Assess Your Current Position

Input your real (or target) investments. This tracker adapts based on the risk profile of your assets[citation:10].

Interactive Portfolio & Risk Profile

Asset Name Type % of Portfolio Risk Level Action
Select
Your Portfolio's Risk Score
0
Add assets to calculate
Suggested Allocation
Balanced
Based on your inputs

Real Asset Guide[citation:10]

Use these real examples to build your portfolio.

Growth (High Risk)

For long-term wealth building.

Examples: VTI, VOO, QQQ, Sector ETFs (ARKK, ICLN)

Income (Medium Risk)

For stability and dividends.

Examples: SCHD, VYM, Bond ETFs (BND, AGG)

Stability (Low Risk)

For capital preservation.

Examples: Treasury Bills, High-Yield Savings, Money Markets

2. Build Your Target Strategy

Choose a strategy that matches your goal timeline and risk comfort.

Aggressive Growth

Timeline: 15+ years

Stocks90%
Bonds10%

Balanced

Timeline: 7-15 years

Stocks60%
Bonds40%

Conservative Income

Timeline: <5 years

Stocks40%
Bonds/Cash60%

3. Calculate Your Liberty Path

This calculator uses real compounding math. Input your numbers to see your projection[citation:9].

Input Your Plan

Your Projection

Years to Financial Liberty
-
Based on your inputs

Key Actions to Accelerate:

  • Increase monthly contribution by 5% annually.
  • Reinvest all dividends and interest.
  • Rebalance portfolio once per year.
Remember: This projection assumes a constant return. Real markets are volatile. The plan (consistent investing) matters more than the prediction.

Your Real 7-Day Action Plan

Follow these specific steps this week to launch your real financial plan.

Day 1

Complete the Risk Assessment above.

Day 2

Choose your Target Strategy.

Day 3

Open a brokerage account (Fidelity, Vanguard, etc.).

Day 4

Set up automatic monthly deposit.

Day 5

Make your first investment in a broad-market ETF.

Day 6

Use the Calculator to set a 12-month review date.

Day 7

Review your plan and commit to the process.