Educational tool · no advice, no predictions

Choose a diversified portfolio you can stick with.

StartFolio helps new investors pick a simple, balanced starting point based on time horizon and risk tolerance — so the hard part becomes staying invested, not choosing.

Find your portfolioBrowse all four
  • 4model portfolios
  • 5asset classes
  • 0stock picks
30%in stocks

Conservative Balanced

  • Global Stocks30%
  • Intermediate Government Bonds45%
  • Inflation-Protected Bonds15%
  • Cash / Money Market10%
Est. volatility5.8%
Worst year-14.8%
Avg. return4.6%
Illustrative — not a forecastOpen this portfolio →
How it works

Three steps, about two minutes

No sign-up and no brokerage connection. StartFolio never executes trades or holds funds — it only helps you decide what to hold.

  1. 01

    Answer a few questions

    5 short questions about your time horizon and how you would react to a drop. No account, no email, no personal data leaves your browser.

  2. 02

    Get a starting portfolio

    You are matched to one of four model portfolios, with a plain-English explanation of what each holding is for and what can go wrong with it.

  3. 03

    Tune safety against growth

    One slider shifts the allocation along the risk spectrum. Diversification guardrails stop it from collapsing into a single-asset bet.

The portfolios

Four starting points, fully explained

Each one is built from broad, liquid asset classes and comes with what it is designed for, what can go wrong, and the mistakes people most often make with it.

Conservative Balanced

Capital preservation with measured growth.

30% Stocks · 45% Gov bonds · 15% Inflation bonds · 10% Cash

Read the breakdown →

Core Balanced

A classic balanced approach for most beginners.

55% Stocks · 35% Gov bonds · 5% Inflation bonds · 5% Cash

Read the breakdown →

Growth Focus

Long-term growth for patient investors.

80% Stocks · 15% Gov bonds · 5% Cash

Read the breakdown →

Inflation-Resilient Balanced

Purchasing-power protection with balanced growth.

50% Stocks · 20% Gov bonds · 15% Inflation bonds · 10% Commodities · 5% Cash

Read the breakdown →
Under the hood

How it is built

Next.js 14 App Router, React 18 and TypeScript, with the domain logic kept out of the components and documented for whoever picks it up next.

Deterministic allocation engine

The Safety ↔ Growth slider runs through a pure interpolation module with hard diversification constraints, so the same input always yields the same allocation and no position can run away.

src/lib/sliderLogic.ts

Portfolio risk maths

Volatility uses the full covariance formula σₚ = √(Σ wᵢwⱼσᵢσⱼρᵢⱼ) across an assumed correlation matrix — not a weighted average — with a documented seam for swapping in real historical returns.

src/lib/metrics.ts

Content as typed data

Portfolios, asset classes, and questionnaire logic are typed data modules rather than markup, so a new portfolio is a data change and the UI follows automatically.

src/data/portfolios.ts

Honest by construction

Every estimate is labelled illustrative at the point it is displayed, and each portfolio ships with a "what can go wrong" and "common mistakes" section instead of only upside.

src/app/summary/page.tsx
View the source ↗

Pick something boring and stay in it.

The portfolio you keep through a bad year beats the one you abandon in month three. Start with a structure you actually understand.

Find your portfolio