What Should I Invest In? Beginner Portfolio Builder (Vanguard, Fidelity & Schwab)

Stop guessing what to invest in.

Most beginners don’t fail because they don’t save enough — they fail because they never feel confident enough to start investing.

This tool removes that uncertainty.

“What Should I Invest In?” is a beginner-friendly portfolio builder that helps you create a diversified, low-cost, long-term investment portfolio using trusted index funds from Vanguard, Fidelity, or Charles Schwab — all tailored to you.

No stock picking.
No timing the market.
No complicated jargon.

✅ What This Tool Helps You Do

✔ Understand your personal risk level
✔ Choose the right asset mix (stocks, bonds, REITs)
✔ Select appropriate funds based on your brokerage
✔ See how fees impact long-term growth
✔ Build confidence before investing real money

This is designed for normal people, not finance professionals.

📊 What’s Included

🧮 Interactive Investment Spreadsheet (Excel + Google Sheets)

• Risk Profile questionnaire (guided, fill-in-the-green cells)
• Personalized stock / bond allocation
• Fund selector for:
  • Vanguard
  • Fidelity
  • Charles Schwab
• ETF or mutual fund options (where applicable)
• Optional small-cap / value tilt
• Final Investment Picks summary
• Fee Impact Calculator
• Long-Term Growth Illustration (historical context)
• Clean, locked structure so nothing breaks

📘 Beginner’s Guide to Investing (PDF)

A plain-English guide that explains:

• What index funds are
• Why diversification matters
• How long-term investing actually works
• What returns really mean
• What beginners should ignore

Written to be read before you invest — not after mistakes.

🏦 Step-by-Step Brokerage Setup Guide (PDF)

A detailed walkthrough for:

• Vanguard
• Fidelity
• Charles Schwab
• M1 Finance (fractional shares explained)

Includes:

• Account types (taxable vs IRA vs 401(k))
• What to click, what to skip
• How to fund your account
• How to place your first investment
• What not to worry about

🧠 Who This Is For

✔ Beginners who want to invest but feel overwhelmed
✔ DIY investors who want structure, not hype
✔ Long-term investors focused on simplicity
✔ Anyone tired of conflicting advice online

🚫 Who This Is NOT For

✖ Day traders
✖ Crypto traders
✖ Stock pickers
✖ Anyone looking for “hot tips” or guaranteed returns

💡 Important Notes

• This tool is educational only
• It does not provide financial advice
• Uses historical market data for illustration
• Results are not guaranteed
• Designed for long-term investing, not short-term speculation

🟢 What Makes This Different

Unlike most investing tools, this does not:

• Push specific products
• Require subscriptions
• Lock you into one platform
• Over complicate simple decisions

It teaches you how to think, not what to chase.