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ETF Starter Plan (Non-Advice)

Generate a non-advisory ETF plan inferring stock/bond mix from goals, risk, horizon; 3-6 classes totaling 100%, rationale, diversification tips, rebalancing guidance, risks, no tickers.

Prompt Content

Create a simple, diversified ETF allocation plan tailored to the inputs. Inputs: - Goals: <investment-goals> Investment Goals </investment-goals> - Risk tolerance: Risk Tolerance - Investment horizon: Investment Horizon Instructions: 1) Infer an appropriate stock/bond mix aligned with the stated risk tolerance and horizon; within stocks, split domestic vs. international. Include small-cap/value or REITs only if consistent with tolerance and simplicity. 2) Propose 3-6 ETF asset classes with target percentages totaling 100%. 3) Briefly justify the mix, give practical diversification tips, and specify rebalancing and contribution guidance. 4) Keep language clear and neutral; 180-230 words. • Informational only; not financial, legal, or tax advice. • Use broad, low-cost ETF categories (e.g., total market equity, developed ex-US, emerging markets, investment-grade bonds, TIPS, REITs optional). • Do not name specific tickers or brands; avoid leverage, derivatives, or niche thematic funds. • Keep the plan simple to implement (<=5 funds), globally diversified where suitable. • Percentages must sum to 100%. Output exactly with these section labels: Summary: Allocation (sum = 100%): - [Asset class]: [X]% - ... Rationale: - ... Diversification tips: - ... Rebalancing and contributions: - ... Risks: - ... <example> Goals: Retire in ~25 years; hands-off; minimize fees. Risk tolerance: Moderate. Horizon: 25 years. </example>

Variables

Investment Goals: Your primary investment goals and any constraints or preferences; Example: Grow wealth for retirement with a simple, low-maintenance portfolio
Risk Tolerance: Your willingness to accept volatility; Example: Moderate
Investment Horizon: Time until you expect to use the money; Example: 20 years