FisclearFisclear
Sign in

Portfolio analyser · 12 asset classes

Build & stress-test your portfolio

Monte Carlo simulations, efficient frontier optimisation, and backtesting across 16 historical macro regimes — from the 1973 oil shock to the 2024 soft landing.

Pro feature · Free during beta. Full portfolio analysis, regime scenarios, and rebalancing targets will require a subscription at launch.

Beta

Input mode

Custom presets

Famous lazy portfolios

Allocation — adjust sliders or type exact percentages

US Equities
SPY
%~10.5% p.a.
International Equities
EFA
%~8% p.a.
Emerging Markets
EEM
%~9.5% p.a.
Long-Term Bonds
TLT
%~5.5% p.a.
Short-Term Bonds
SHY
%~3.5% p.a.
Gold
GLD
%~7% p.a.
Broad Commodities
PDBC
%~4% p.a.
Energy
XLE
%~8.5% p.a.
Real Estate (REITs)
VNQ
%~9% p.a.
Bitcoin / Crypto
IBIT
%~80% p.a.
Private Equity
PSP
%~14% p.a.
Infrastructure
IFRA
%~8% p.a.
Total: 100%

Starting capital ($)

$

Monthly contribution ($)

$

Using $10K start from portfolio settings

Years to simulate

Target amount ($)

Success = paths reaching this by year 20

Regime stress-test

↯ Stress-testing Inflationary Boom

20-year projection · 500 simulated paths

90th / 10th75th / 25thMedian

Median outcome

$26K

after 20 years

Best case

$44K

90th percentile

Worst case

$16K

10th percentile

Success rate

76%

paths reaching $0

Sharpe ratio

0.12

risk-adjusted return

Returns are approximate historical estimates based on index/ETF data 1973–2024. Monte Carlo uses log-normal simulation with historical correlation structure. Not financial advice — for educational and analytical purposes only.