Disclaimer: This tool is educational only and is not investment advice or a recommendation to buy or sell any security. The 7% annual return used above is an illustrative assumption; actual market returns vary and are not guaranteed. The DIY comparison uses a simplified 100% VT (total-market index fund) allocation; a real portfolio would typically include bonds (e.g. BND) based on your age and risk tolerance. DIYFi Advisors LLC is a registered investment adviser.