Calculators / Portfolio Analyzer
Portfolio Analyzer
Enter what you hold by dollar value (not share count) and see your true diversification: across asset classes and currencies, your home-country tilt, and any concentration. All-in-one funds like VEQT are unbundled into what they actually hold. Everything runs in your browser; nothing is uploaded or sent to a server, and anything you save stays on your own device.
Educational, not financial advice and not a recommendation. It only does arithmetic on the numbers you enter. See the disclaimer.
1 · Your holdings $0
How to use: Add every fund or stock you own by its dollar value (not shares). Recognized tickers fill in their asset class and currency automatically. Not in the list? Pick its class in the last column, or choose Custom mix to split an all-in-one fund we don't have data for.
| Ticker | Value | Currency | If custom: category | |
|---|---|---|---|---|
Exchange rates (editable estimates)
Estimates only. Real conversions carry spreads and fees. Edit if you like.
Your current diversification
Currency exposure (trading currency)
Home-country tilt
Concentration
2 · Target mix 0%
How to use: Set the asset-class mix you want to move toward. New to this? Click Start from my current mix and adjust from there. Percentages should add to about 100.
It starts empty on purpose: the target is your decision, not ours.
| Asset class | Target % |
|---|
3 · New-money plan
How to use: Enter how much new money you'll add and how often, then list the funds you'll buy (or hit Copy my holdings). The plan below shows exactly how much to put in each to move toward your target. It updates as you type, and you can copy it.
Only new money, no selling. Amounts are in your base currency (USD).
Funds I'll buy going forward
| Ticker | Currency | If custom: category |
|---|
Where to put your money
4 · Growth simulation
How to use: You contribute for the number of years set in step 3, then (optionally) draw the portfolio down. Set a withdrawal rate and how many years it lasts, then press Run simulation. The chart shades the likely range for your target mix and overlays your current mix.
A Monte Carlo using the contribution plan from step 3, 1,200 market paths with class-level return, volatility and correlation: a range of maybes, not a forecast.
Withdrawals start the year contributions stop and hold a fixed dollar amount (set off your balance then, the same mechanic as the commonly cited “4% rule” — shown for illustration, not a recommendation). Leave the rate at 0 to just stay invested for those years.
Current mix
Target mix
Does contribution timing matter?
Save this analysis
Saved only in this browser (no account, nothing uploaded). Load one to restore your holdings, target mix, plan and simulation settings.
Saved analyses
How this works
Diversification. Each holding's value is converted to your base currency, then split into asset classes using the fund's composition. Single-asset ETFs count as one class; all-in-one funds (VEQT, VGRO, MSCI World, etc.) are unbundled into their approximate underlying weights (which drift over time). Currency exposure is the currency each fund trades in (VOO in USD, VFV in CAD): your account-level FX split, not a look-through of what the fund holds underneath. Home-country tilt compares your home market's equity share to a globally diversified benchmark; concentration flags a single individual holding above 15% (a large position in a diversified fund is fine).
New-money plan. Starting from your current mix, we add your contributions in small steps, each time buying the fund that moves your overall allocation closest to your target. No selling, so an overweight class can only shrink as the rest grows around it. If that would take an unrealistic number of periods, we say so. A class in your target that none of your chosen funds actually holds gets flagged as uncovered.
Simulation. Weekly lognormal returns with class-level long-run return, volatility, and correlation, blended by your weights, 1,200 paths. The chart shades the target mix's 10th–90th percentile range with the median line, and overlays the current mix's median. Withdrawals (if any) start when contributions stop and hold a fixed dollar amount, set as your rate times the balance at that moment (the same mechanic as the commonly cited “4% rule”, which the tool describes but does not recommend), so weak early markets can drain a portfolio. Every scenario (current vs target, and the four contribution cadences) uses the same random draws, so differences come only from the mix or the timing, not luck. The timing panel invests the same new money as a lump sum vs spread daily/weekly/monthly, measured at the end of the deployment window.
How accurate is it? It isn't a forecast, it's a spread of maybes built on a few fixed assumptions, so treat it as an order-of-magnitude sketch. The per-class inputs are long-run annual estimates, roughly: US equity ~10.5% return / 16% volatility, developed ex-US ~6% / 16%, emerging ~6.5% / 22%, bonds ~4% / 4%, REITs ~8% / 18%, gold ~5% / 15%, crypto ~15% / 65%; same-region stocks are correlated ~0.95, stocks across regions ~0.82, stocks-and-bonds ~0.05. Real markets differ in ways the model ignores: returns aren't independent week to week, crashes are deeper and more clustered than a lognormal draws, and correlations jump toward 1 in a panic. Figures are nominal (not inflation-adjusted) and before fees and taxes: over decades, inflation alone cuts real purchasing power to a fraction of the dollar figures shown. Change any assumption and the numbers move a lot, which is the point, treat the range, not the single number, as the message. Illustrative arithmetic, not a prediction, and ranks no fund.
Illustration only: not advice, not a recommendation. This tool does arithmetic on numbers you type; it doesn't know your accounts, taxes, fees, or goals, and ranks no fund. Fund names/tickers are for identification only. Exchange rates and return/volatility figures are estimates. See the disclaimer and terms.