This is the engine under the hood — the same rules-based allocation system that CleverAlpha uses to build every client portfolio. Adjust your time horizon and risk tolerance and watch the algorithm construct your personalized ETF portfolio in real time. No inputs are stored. No account required. Just the math, live.
Drag the slider to your investment time horizon — 1 to 25 years. Longer horizons unlock higher equity allocations and more asset class diversification.
From Low to High. Risk tolerance interacts multiplicatively with time horizon — a High-risk investor with a 10-year horizon gets a materially different allocation than a Low-risk investor.
Hit the button and watch the model animate through every year of your horizon — the inner ring shows category weights (Equity / Fixed / Other / Cash), the outer ring shows individual ETF classes.
When you're ready, CleverAlpha applies this same algorithm to your actual account — automatically rebalancing and optimizing as markets move and your horizon shortens.
Adjust your time horizon and risk tolerance. CleverAlpha maps your inputs to a systematic ETF allocation built for long-term outcomes.
Portfolio allocations shown are model portfolios for illustrative purposes only and do not represent any actual client account or guarantee of future results. Past performance does not guarantee future results. Investing involves risk, including possible loss of principal. CleverAlpha Asset Management LLC is an SEC-registered investment adviser. Please review our Form ADV and applicable disclosures before investing.
Most robo-advisors say they're systematic. CleverAlpha shows you exactly what systematic means — every allocation decision is derived from a rules matrix, not a fund manager's intuition.
Domestic and international stocks across market caps and styles — large, mid, small; value, blend, growth; developed and emerging markets. Equity weight climbs with longer horizons and higher risk tolerance.
Bonds across the duration and credit spectrum — short, intermediate, and long government; corporate; high yield; world bond; inflation-protected; and municipal bonds. Fixed income anchors the portfolio against equity volatility.
Real estate (domestic and global REITs), commodities, gold, and strategic cash — these non-correlated exposures improve diversification and reduce portfolio volatility beyond what stocks and bonds alone can achieve.