Portfolio Mixer: Build Your Perfect Investment Strategy

January 3, 2026•7 min read

Building the perfect portfolio shouldn't require a PhD in finance. With StochasTrack's Portfolio Mixer, you can test drive professional asset allocation strategies, visualize thousands of market scenarios, and make data-driven decisions with confidence.

What Makes a Great Portfolio?

The secret to investment success isn't picking the next hot stock—it's asset allocation. Studies show that over 90% of portfolio performance comes from how you divide your money across asset classes, not which specific stocks you pick.

A well-diversified portfolio balances three critical factors:

Growth Potential: Higher expected returns over the long term
Risk Management: Protection against catastrophic losses
Behavioral Sustainability: Can you sleep at night during a 30% crash?

How the Portfolio Mixer Works

Our tool uses Monte Carlo simulations—the same statistical method used by Wall Street quants—to project thousands of possible future outcomes for your portfolio.

Step-by-Step Process

Choose Your Mix: Adjust the slider to set your stock/bond ratio (e.g., 80/20, 60/40)
Pick Real ETFs: Select specific tickers like VTI (US stocks), VXUS (International), BND (Bonds)
Run the Simulation: We project 1,000+ potential paths your portfolio could take
Analyze Results: View the median outcome, best/worst cases, and probability ranges

Classic Portfolio Strategies

Not sure where to start? Here are battle-tested allocations recommended by industry legends:

Three-Fund Portfolio (Bogleheads)

60% US Stocks / 30% International / 10% Bonds

Simple, diversified, and tax-efficient. Perfect for beginners and retirees alike.

All-Weather Portfolio (Ray Dalio)

30% Stocks / 40% Long Bonds / 15% Short Bonds / 7.5% Gold / 7.5% Commodities

Designed to perform in any economic environment—boom, bust, inflation, or deflation.

Aggressive Growth

100% Stocks (80% US / 20% International)

For long time horizons (20+ years). Expect wild swings but maximum growth potential.

Understanding the Results

After running a simulation, you'll see a "fan" of outcomes radiating from today's value. Here's how to read it:

Median Path (solid line): 50% of outcomes are above this, 50% below
10th/90th Percentile (shaded area): 80% of outcomes fall within this range
Best/Worst Case: The extreme tails—useful for stress testing

⚠️ Important Caveat

Past performance does not guarantee future results. Monte Carlo simulations are based on historical volatility and returns. Black swan events (2008 crisis, COVID crash) can and will happen. Always maintain an emergency fund and don't invest money you might need in the next 5 years.

Pro Tips for Power Users

Test Multiple Scenarios: Run 70/30, 60/40, and 50/50 portfolios side-by-side. See how small tweaks affect your worst-case outcomes.

Rebalance Annually: If stocks surge and bonds lag, your 60/40 might drift to 70/30. Sell winners, buy losers to maintain your target mix.

Consider Tax Location: Hold bonds in tax-advantaged (IRA/401k) accounts; stocks in taxable accounts (preferably total market index funds).

Start Mixing Your Portfolio

Ready to build a portfolio tailored to your risk tolerance and goals? Try different allocations and see how they perform across thousands of market scenarios.

Open Portfolio Mixer