Early Retirement Engine
Submitted by @FIREfiona · 5 holdings · Total value: $100.0k
Overall score: 84/100 · Grade: A
Score breakdown
- Strength: 80/100 — quality and fundamentals of holdings
- Diversity: 86/100 — spread across sectors and asset types
- Exposure: 85/100 — balance and risk management
Analysis
Total-market index core plus a dividend tilt for cash flow — efficient and resilient.
Broad US and international equity, bonds and T-bills. Strong diversification with a slight home-country bias.
Disciplined, low-cost allocation sized for a long withdrawal horizon with a modest bond and T-bill cushion.
Top holdings
- VTI — Vanguard Total Stock Market (50.0%, Diversified)
- VXUS — Vanguard Total International (15.0%, International)
- SCHD — Schwab US Dividend ETF (15.0%, Diversified)
- BND — Vanguard Total Bond ETF (15.0%, Fixed Income)
- BIL — SPDR Bloomberg T-Bill (5.0%, Fixed Income)