Portfolio Optimizer

💡

How to Use the Portfolio Optimizer

Follow these 3 simple steps:

📝 Input Tab: Choose your risk appetite (Low/Medium/High), enter your investment details (monthly amount, target, period), and set your current portfolio allocation
🎯 Click "Optimize Portfolio": The AI will calculate the best allocation to maximize your returns while managing risk
📊 Results Tab: View your optimized portfolio, compare before/after metrics, see AI insights, and check concentration analysis

💡 Quick Tips:

Start with the risk appetite that matches your goals (Low = safe, Medium = balanced, High = growth)
Your current allocation must add up to 100%
Pro users unlock AI insights, stress testing, and Monte Carlo projections

Portfolio Configuration

🎯 Your Risk Appetite

This defines your investment personality and guides optimization recommendations.

🛡️

Low Risk

Prioritize capital preservation

~30% Stocks, ~50% Bonds
Lower returns, lower volatility
Good for near-term goals

⚖️

Medium Risk

Balance growth and stability

~50% Stocks, ~30% Bonds
Moderate returns, moderate volatility
Good for 5-15 year goals

🚀

High Risk

Maximize growth potential

~70% Stocks, ~20% Bonds
Higher returns, higher volatility
Good for 15+ year goals

Basic Information

Monthly Investment Amount ($)

Target Value ($)

Investment Period (Years)

Current Asset Allocation (%)

⚙️ Customize Scenarios ▼

📚 Understanding Portfolio Scenarios

Test your portfolio against different market conditions to see how well it can handle real-world events:

🎯 One-Time Stress Events

These events happen in a specific year you choose. Enable them to test how your portfolio handles shocks:

📉 Market Crash

Sudden drop in a specific year (like 2022)

📈 Bull Market

Strong growth in a specific year

💥 Financial Crisis

Severe downturn in a specific year (like 2008)

🔥 Inflation Spike

Sharp price increase in a specific year

📊 Ongoing Assumptions

These factors affect your portfolio every year. Enable them for more realistic projections:

📈 Regular Inflation

Normal yearly price increases (typically 2-3%)

💰 Investment Fees

Annual costs to manage your portfolio

💡 Tip: Mix and match scenarios to test different combinations. Green = gains, Red = losses.

🎯 One-Time Stress Events

Enable specific events that happen in a single year. Choose when they occur and how severe they are.

📉 Market Crash

-20%

📈 Bull Market

+15%

💥 Financial Crisis

-40%

🔥 Inflation Spike

+8%

📊 Ongoing Assumptions

These factors affect your portfolio every year. Enable them to make your projection more realistic.

📈 Regular Inflation

💰 Investment Fees

📊

No Results Yet

Configure your portfolio and click "Optimize Portfolio" to see results

⚠️ Important Disclaimer - Educational Use Only

This tool is for educational purposes only - not financial advice or investment recommendations
Past performance does not guarantee future results
All investments carry risk of loss - you could lose your entire investment
Consult a licensed financial advisor before making investment decisions
Data, calculations, and projections may contain errors or unrealistic assumptions
Market conditions can change rapidly and historical patterns may not repeat

How to Use the Portfolio Optimizer

📈 My Custom Portfolio

Build Your Custom Portfolio

Portfolio Configuration

🎯 Your Risk Appetite

Low Risk

Medium Risk

High Risk

Basic Information

Current Asset Allocation (%)

⚙️ Customize Scenarios ▼

📚 Understanding Portfolio Scenarios

🎯 One-Time Stress Events

📊 Ongoing Assumptions

No Results Yet

How to Use the Portfolio Optimizer

📈 My Custom Portfolio

Build Your Custom Portfolio

Portfolio Configuration

🎯 Your Risk Appetite

Low Risk

Medium Risk

High Risk

Basic Information

Current Asset Allocation (%)

⚙️ Customize Scenarios ▼

📚 Understanding Portfolio Scenarios

🎯 One-Time Stress Events

📊 Ongoing Assumptions

No Results Yet

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