The Five Fund allocation tool
This is not financial advice. It's a starting point. The Richiest Five Fund Framework assigns every dollar one of five jobs: Park, Earn, Build, Roam, and Dare. Pick your life stage below to load the recommended percentages, then adjust if you want.
This is analysis, not personalized investment advice. Do your own homework before making decisions.
Step 1 — Pick your life stage
$
Slot 1
Park
5%
Money you might need tomorrow. Safety first.
SGOV — iShares 0-3 Month Treasury Bond ETF
Slot 2
Earn
10%
Money that pays you while you wait. Dividends compound.
SCHD — Schwab US Dividend Equity ETF
Slot 3
Build
55%
Money that builds wealth for future-you. The engine.
VOO — Vanguard S&P 500 ETF
Slot 4
Roam
20%
Money that doesn't bet everything on one country. Diversify globally.
VXUS — Vanguard Total International Stock ETF
Slot 5
Dare
10%
Money you can afford to lose on something you believe in. Never exceeds 10%.
Reader's choice — IBIT, TQQQ, SMH, or BOTZ
Your complete Five Fund Frame
| Slot | Fund | Ticker | Allocation |
|---|---|---|---|
| Park | iShares 0-3 Month Treasury Bond ETF | SGOV | 5% |
| Earn | Schwab US Dividend Equity ETF | SCHD | 10% |
| Build | Vanguard S&P 500 ETF | VOO | 55% |
| Roam | Vanguard Total International Stock ETF | VXUS | 20% |
| Dare | Reader's choice | IBIT / TQQQ / SMH / BOTZ | 10% |
Ready to build your Frame?
$0 commissions · No account minimum · Fractional shares
Common questions about the Five Fund Frame
Can I adjust the percentages myself?+
Yes. The life stage defaults are starting points, not rules. If you want to shift more into Park for safety or tilt Build higher for growth, the sliders let you experiment. Just remember: Dare never exceeds 10%. That's the portfolio's pressure valve.
What if my percentages don't add up to 100%?+
The tool will flag it. Every dollar needs a job, so the total should be 100%. If you're at 95%, you have $0 sitting in limbo — and that's not how the Frame works.
Does this replace a financial advisor?+
No. This is a framework, not personalized advice. The Five Fund Frame gives you a structure to start from. If your situation is complex — business ownership, inherited wealth, tax complications — talk to someone who can look at the whole picture.