Am I invested well?

A portfolio review: enter what you hold in each account and what you pay. The review adds it up, prices the all-in cost in dollars over 10, 20 and 30 years, prices the tax cost of switching, and lays three paths side by side. Candidates are mappings at your own equity share, not recommendations.

Worked example: $500,000 in a taxable account, in two low-cost index funds (SPY 60%, AGG 40%), with a 30% unrealized gain and a 1.00% advisory fee. An example, not a typical account: enter your own below.

Hypothetical: cost arithmetic at an assumed return, before tax except the switching tax. Not advice.

You pay 1.07% a year all-in, 0.07% in fund expenses and a 1.00% advisory fee: about $5,344 this year.

Based on: 1 account, $500,000 in all, a 1.00% advisory fee

All-in cost

1.07% a year

This year

$5,344

Over 20 years

$321,827 18% of the balance at no cost

Tax to switch

$22,500

At an assumed 6.5% return, the cost comes to $321,827 over 20 years, 18% of what the account would hold at no cost. If the taxable holdings were sold, the capital-gains tax on the gain entered would be about $22,500.

Change the numbers

Accounts

Holdings as TICKER:percent lists summing to 100. For a fund the site does not know, add its expense ratio and class: FUNDX:[email protected]%us_stock (classes: us_stock, intl_stock, em_stock, us_bond, intl_bond, tips, cash, gold, commodities, reit, balanced, other).

Name Type Value$500,000 Holdings Gain %

Gain %: unrealized gain, taxable accounts only

Costs and assumptions

Advisory fee, % a year

Return, % a year

Capital-gains rate, %

Extended history

Use validated backfills and synthetics in the history comparison (what these are)

Compare with

Before the numbers: educational and hypothetical, pre-tax where not stated, not advice. Fund facts as of 2026-09: issuer fact sheets (Vanguard, iShares, SPDR, Schwab, Fidelity, WisdomTree); verify before relying.

What the cost takes

All-in, 1.07% a year: about $5,344 this year on $500,000.

One assumed gross return of 6.5%/yr compounded on today's value; the cost column is what the annual cost removes over each horizon. An assumption, not a forecast; change it above.

What the cost takes, by horizon
Horizon	No cost	At 1.07%/yr	Cost of the cost
10 years	$938,569	$848,527	$90,042
20 years	$1,761,823	$1,439,996	$321,827
30 years	$3,307,183	$2,443,750	$863,433

What you hold

Total

$500,000

Equity share

60.0%

Fund expenses

0.07%

Adviser fee

1.00%

All-in cost

1.07% / yr

Holdings by asset class
Asset class	Weight
us stock	60.0%
us bond	40.0%

Switching friction

Taxable accounts hold $500,000. Selling them now would owe about $22,500 in capital-gains tax at 15.0% on the unrealized gain you entered. Tax-advantaged accounts switch with no tax cost.

Three paths

Assumptions, not forecasts: your 6.5% return applies to your own equity share (60.0%); a path with more or less equity gets 4.0 points more or less per full point of equity share. Each path then pays its own annual cost and any tax paid to switch. The site never projects a backtest's return forward; the history section shows how the portfolios actually behaved. The candidates are mappings, not recommendations: a three-fund at your own equity share (VTI 36%, VXUS 24%, BND 40%), the site's reference mixes (three-fund at 60% and 40% equity); "Reference mix, managed at 1.00%" is the reference mix charged the advisory fee you declared, the fee view of professional management. Reference mix: three-fund reaches 1992 (ex-US leg 1990); for windows before that use us_large / treas_int.

The paths compared
Path	Equity	Assumed return	Annual cost	Start	10 yrs	20 yrs	30 yrs
Keep the current portfolio	60.0%	6.50%	1.07%	$500,000	$848,527	$1,439,996	$2,443,750
Switch everything to Three-fund at your equity share (pay 22,500 in tax now)	60.0%	6.50%	0.03%	$477,500	$893,409	$1,671,579	$3,127,545
Switch everything to Reference mix (accumulation) (pay 22,500 in tax now)	60.0%	6.50%	0.03%	$477,500	$893,409	$1,671,579	$3,127,545
Switch everything to Reference mix (retirement) (pay 22,500 in tax now)	40.0%	5.70%	0.03%	$477,500	$828,627	$1,437,952	$2,495,342
Switch everything to Reference mix, managed at 1.00% (pay 22,500 in tax now)	60.0%	6.50%	1.03%	$477,500	$812,953	$1,384,067	$2,356,399

How the paths behaved in the past

1992-04-28 to 2026-10-09 (34.4 years), each portfolio rebalanced annually and charged its own annual cost daily. Hypothetical history: it shows risk character and the weight of costs, never a forward return. Extended history is on for AGG, SPY, BND, VTI, VXUS (how).

Statistic	Current	SPY	Reference mix (accumulation)	Reference mix (retirement)	Reference mix, managed at 1.00%	Three-fund at your equity share
Value per $10,000	$121,387	$354,553	$131,354	$95,025	$92,933	$131,354
Total return	1113.87%	3445.53%	1213.54%	850.25%	829.33%	1213.54%
Annual return (CAGR)	7.52%	10.91%	7.76%	6.75%	6.69%	7.76%
Standard deviation	9.10%	14.58%	9.23%	6.78%	9.23%	9.23%
Max drawdown	-34.72%	-55.19%	-35.85%	-23.11%	-36.71%	-35.85%
Worst calendar year	-19.79%	-36.79%	-21.17%	-15.16%	-21.97%	-21.17%
Longest time underwater	1128 days	1656 days	943 days	671 days	973 days	943 days
Ulcer Index	7.35%	14.25%	7.12%	4.49%	7.77%	7.12%
Sharpe ratio	0.57	0.61	0.58	0.63	0.48	0.58
Sortino ratio	0.84	0.91	0.85	0.92	0.68	0.85
Ulcer Performance Index	0.68	0.59	0.74	0.94	0.54	0.74
Beta vs benchmark	0.61	1.00	0.59	0.41	0.59	0.59