Create and solve your own portfolio You have $15,000 to invest for 20 years, you're 25 years old. Decide percentage and amount for each category stocks (12%), bonds (6%) and cash (3%) (Set up proportions to solve for present value). Use the TVM solver to find the future value using the present value you determined above. The return rate for stocks (.65), bonds (.8) and cash (95) Multiply each of these returns by the future values you found above. Re-invest for 20 more years (do the entire process over again) you'll retire at 65 (less risky percentages)