NWTC 540.87 +149.62% MR500 649.19 +196.03% MRIDX 443.34 +210.09% MRBDX 93.11 +233.49% HRZP 355.43 +298.55% MTMK 248.52 +110.36% MRIIX 122.49 +95.27% ATLB 244.11 +292.71% MRGRX 251.88 +184.67% MRVLX 186.29 +162.45% MRSCX 261.09 +177.70% CVGE 72.32 +61.25%

MeridianClad

Retirement
Roth IRATax-free growth and withdrawals in retirement Traditional IRATax-deferred growth, possible deduction today Rollover IRAMove an old 401(k) in about 10 minutes SEP IRA & Solo 401(k)High limits for the self-employed

Investing & saving
Brokerage account$0 online stock and ETF trades Cash management4.85% yield on uninvested cash 529 & custodialSave for a child's education Health savings accountA triple tax advantage for medical costs

Compare every account side by side. All accounts
Products
Index fundsExpense ratios from 0.02% ETFsCommission-free, traded all day Target-date fundsOne fund, a whole glide path StocksFractional shares from $1

Research
Fund screenerFilter 36 funds by cost, risk and return Markets todayMovers, yields and index levels InsightsResearch notes from our strategists Risk questionnaireFind the mix that fits you
Tools
Retirement calculatorAre you on track for your number? Compound growthSee what regular investing becomes RMD calculatorRequired minimum distributions 401(k) match maximiserNever leave the match on the table

Guidance
Free planning toolsGoals, budgets and readiness scores Work with an advisorDigital, hybrid or dedicated CFP® Book a consultationFree 30-minute review Retirement libraryGuides on income, taxes and timing
Pricing
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Planning tools

Risk questionnaire

Find an asset mix that matches your tolerance.

Retirement calculator Compound growth RMD calculator 401(k) match maximiser College savings Risk questionnaire

Six questions

Nothing is submitted or stored - the result is calculated in your browser.

1. When do you expect to start withdrawing from this money? Within 3 years In 3 to 7 years In 8 to 15 years More than 15 years away

2. Your portfolio falls 20% in six months. What do you do? Sell everything and move to cash Sell some to reduce risk Hold and wait it out Buy more at lower prices

3. How would you describe your investing experience? This is my first account Some, mostly through a workplace plan Comfortable with funds and ETFs Very experienced across asset classes

4. How stable is your income? Unpredictable Somewhat variable Fairly stable Very stable, with a large emergency fund

5. Which portfolio would you rather own for ten years? Steady 4%, almost no down years Average 6%, occasional small losses Average 8%, several losing years Average 10%, some severe drawdowns

6. What is this money for? A purchase in the next few years A mix of medium-term goals Retirement, a long way off Long-term wealth I may never spend

Answer all 6 questions to see your suggested allocation (0 of 6 answered).

What the profiles mean

Profile	Stocks	Bonds	Cash
Conservative	20%	60%	20%
Moderately Conservative	40%	50%	10%
Moderate	60%	35%	5%
Moderately Aggressive	80%	18%	2%
Aggressive	90%	8%	2%

A questionnaire is a starting point, not advice. Your capacity for risk also depends on job security, other assets and obligations we have not asked about.

These calculators are educational illustrations that use simplified assumptions. They ignore taxes, fees and inflation unless stated, assume a constant rate of return that real markets never deliver, and are not a projection of your actual results or a recommendation. Consult a qualified professional about your own situation.