Glidepath Calculator
Most people don't keep the same investments their whole life - they shift from aggressive to conservative as retirement gets closer. This calculator shows what happens when your returns gradually change over time, just like real target-date funds do.
Money Guy Show
10% returns declining 0.1% per year to 5.5% floor at age 65. Conservative approach with steady risk reduction.
Based on methodology from Money Guy Show
Years until retirement: 35
What is a Glidepath?
A glidepath is an investment strategy that automatically adjusts your portfolio's risk level as you get closer to retirement. Think of it like a plane descending for landing - you start high (aggressive investments) and gradually glide down to a safer landing (conservative investments).
When you're young, you can take more risks because you have time to recover from market downturns. As retirement approaches, you want to protect what you've built by shifting to safer investments.
Choose Your Strategy
We've included preset strategies from experts like The Money Guy Show and Bogleheads - these are battle-tested approaches used by thousands of investors. Just pick one and see how it works for your situation.
If you're an expert (or just like to tinker), feel free to customize everything. You can create your own glidepath with exactly the numbers you want.