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Portfolio allocation Monte Carlo Fees Real (inflation-adjusted)Educational tool - projections are model-based, not guaranteed.

Portfolio Allocation Tool

Build an allocation across stocks, bonds, ETFs and crypto. See expected return, risk (volatility), and a range of outcomes (10th/median/90th) using Monte Carlo simulation.

Presets

Start with a common profile, then adjust to your preferences.

Allocation

Stocks (%)

Typical: 4080%

Bonds (%)

Typical: 050%

ETFs (%)

ETFs can be stock-heavy.

Crypto (%)

High risk, optional.

Total: 100%

Must equal 100% to calculate.

Plan settings

Years

160 years

Initial amount ()

Example: 10,000

Monthly contribution ()

Optional

Annual fees (%)

Platform + product fees

Inflation (%)

Only used in Real mode

Monte Carlo runs

3005000 (higher = slower)

Advanced assumptions (returns, volatility, correlations)

Stocks return (%)

Bonds return (%)

ETFs return (%)

Crypto return (%)

Stocks volatility (%)

Bonds volatility (%)

ETFs volatility (%)

Crypto volatility (%)

Corr StocksBonds

Corr StocksETFs

Corr StocksCrypto

Corr BondsETFs

Corr BondsCrypto

Corr ETFsCrypto

Methodology (short)

The tool estimates portfolio return (mu) as a weighted average of assumptions. Risk (sigma) is computed using a correlation-based covariance model. Monte Carlo simulates many annual outcomes to show a range (10th/median/90th). This is an educational model - not a forecast.

Accuracy note

100% accurate results are not possible in finance. What you *can* do is: make assumptions transparent, allow customization, and show ranges instead of a single number - which this tool does.