We tell you exactly which funds to buy — and how many dollars go in each of your accounts.
Index funds are the easy part. Knowing which fund belongs in which account, and for how much, is not.
WHAT YOU GET
| Account | Fund | Buy |
|---|---|---|
| Roth IRA | VTI US Stocks | $12,400 |
| 401(k) | FXAIX Best US stock fund available in your plan | $28,900 |
| 401(k) | AGG US Bonds | $9,150 |
| Taxable | VEU ex-US Stocks | $6,200 |
Example output. Your 401(k) doesn't offer VTI — so we rank the funds it does offer, pick the one that best matches the exposure you wanted for the least cost, and size every account so the whole portfolio still lands on your target.
Build my portfolio
Free. No login,
no account linking.
no account linking.
- You never link an account, and we don't keep what you type
- No logins, no read-only broker access, no third party sitting between you and your money. Your balances and account names are never stored — they live in memory for the session and are gone when you close the tab.
- No fund company pays us
- No funds of our own, no custody, no commissions, no referral deals. Larder has no way to profit from which fund it puts in front of you.
- We check that funds do what they claim
- Plenty of funds drift from the index they are named after. We measure that gap every week against twenty years of history, so the fund we hand you actually delivers the exposure you asked for.