Backtest Asset Class Allocation

Test how a mix of broad asset classes — US and international stocks, bonds, gold, REITs, and more — would have performed. Each class is represented by a widely held ETF.

Educational use only — not investment advice

This tool is for educational and informational purposes only and does not provide financial, investment, tax, legal, or accounting advice. Results are hypothetical and based on historical data and assumptions that may be inaccurate. Past performance does not guarantee future results. Consult a licensed professional before making investment decisions.

Portfolio AnalysisBeginner

What is the Asset Class Backtest?

Allocate across US and international stocks, bonds, gold, REITs, commodities, and more — each represented by a widely held ETF.

The Asset Class Backtest tool lets you reason at the level of asset classes rather than specific funds. Set weights for US stocks, developed and emerging international stocks, US and international bonds, REITs, gold, commodities, and inflation-protected bonds, and we map each to a representative ETF and run the same rigorous backtest engine. It's the fastest way to study how high-level diversification choices shape risk and return.

How to use it

  1. 1Set your asset-class mix: choose how much to hold in US stocks, international stocks, bonds, gold, REITs and more — each is mapped to a representative ETF, and the weights should total 100%.
  2. 2Pick your settings: a start and end date, a benchmark, how often to rebalance, and your dividend and inflation options.
  3. 3Run it to see growth, drawdowns, and full risk metrics, plus how each asset class contributed — all directly comparable to the ticker-level backtester.

What you'll get

  • Full performance and risk metrics
  • Growth and drawdown charts
  • Asset-class contribution and correlations
  • CSV / PDF export
New here? See it in action
A diversified all-asset mix Start from a 40/20/10 stocks, 20 bonds, 5 REITs, 5 gold allocation and see how spreading across asset classes shaped drawdowns.
Load this example

↓ Or build your own below

Asset class allocation

Total: 100.0%
US StocksVTI
%
International Developed StocksVEA
%
Emerging Markets StocksVWO
%
US BondsBND
%
International BondsBNDX
%
Cash / T-BillsBIL
%
REITsVNQ
%
GoldGLD
%
CommoditiesDBC
%
Inflation-Protected BondsTIP
%

Settings

Broad asset classes via representative ETFs

How the Asset Class Backtest works

Each asset class uses a broad, liquid ETF proxy. The simulation is identical to the ticker-level backtester, so results are directly comparable.

Backtest Asset Class Allocation — Informed Portfolio