[didgeoridoo]

Anyone know of a portfolio calculator that takes into account real estate and business ownership? I find it hard to believe that my family's investment portfolio shouldn't be (dramatically) influenced by the fact that my wife owns a successful small company, or that it shouldn't change if & when we buy a house. I'd even hope for some risk balancing based on the industry of my employer (i.e. if tech collapses, maybe it's not great to lose both your job and investments simultaneously).

Is this kind of problem even tractable to today's robo-advisors?

[USAnum1]

Although it's a bit of a hack, you could simulate property or a business in your assets by setting the rough percentage of your portfolio it makes up, putting it at the top of "Foreign assets" and create an account for that same value and putting it under taxable accounts.

Also, feel free to extend the existing calculator with an additional asset class and account type (for business/property). The code is fairly easy to extend with new account and asset vectors.

I tried to stray away from physical property in the calculator's design and stay focused on the bogleheads investing philosophy of using buy-and-hold index funds. The tool's use cases are a bit cookie-cutter as a consequence, unfortunately.