Set up your portfolio, then change the market story. Results update as you edit.
Your portfolio
Values and deposits are allocated across the six holdings.
Target allocation — total
The six holdings are model profiles, not investable products. Contributions enter at the beginning of each month at target weights.
Annual contributions
An annual amount enters at the beginning of months 1, 13, 25, and so on.
Leave a year blank to use the default. Enter 0 to skip it.
Edit the yearly schedule
Market path
Choose a fixed preset or one of the eight workbook reference paths.
The eight generated paths are deterministic workbook references, not production rerolls.
Timed crash event
The event multiplies the underlying Market path: it compounds down, holds at the bottom, then compounds back to the underlying path. A completed recovery rejoins the base Market index. A horizon ending earlier shows the partial effect. The named Major Crash and Late Crash presets are fixed annual sequences, separate from this timed event.
Monthly market overrides
Use a specific monthly return in place of the selected path and crash-adjusted return.
Enter returns as percentages. Active returns below −50% are invalid because the Speculative holding could become negative.
Rebalancing
Contributions arrive first, rebalancing happens next, then monthly returns apply.
How the path unfolded
Each point is a month. Market indexes start at 100.
A fully recovered crash can still change a portfolio with contributions, nonlinear holdings, or rebalancing, even when the Market index rejoins its underlying path.
Holding results
Final balances and weights reflect the full monthly simulation.
| Holding | Target | Ending weight | Ending value | Annualized Return |
|---|---|---|---|---|
| HISA · Conservative · Moderate · Market · Aggressive · Speculative | Available after purchase | |||
View monthly calculation detail
Values are shown at the end of each month. Monthly contributions include the PAC and any annual schedule amount.
| Month | Market return | Crash phase | Contribution | Rebalanced | Portfolio value |
|---|---|---|---|---|---|
| — | Available after purchase | ||||