Answer a few questions to get a suggested asset allocation and expected return/volatility.

Run multiple simulated market-return paths to estimate the probability of reaching a target portfolio value.

Apply shocks and scenarios to an example portfolio to see the immediate and multi-year impact.

Quick guidance

Use the risk quiz first to get a recommended allocation. The Monte Carlo simulator helps you understand probability of hitting targets given expected returns/volatility. Use stress tests to see vulnerability to shocks.

Default model assumptions

• Equity expected return: 6.5% (vol 16%)
• Bond expected return: 1.5% (vol 6%)
• Cash return: 0.5% (vol 1%)
• Correlation between assets assumed moderately positive

Allocation cheat-sheet

Typical allocations by risk profile (equity : bonds : cash):

Methodology (brief)

Monte Carlo: geometric returns per period from normal distribution (Box–Muller). Scenarios: apply year-by-year shocks and compound using simple assumptions. Quiz: score-based mapping to allocations and blended expected return/volatility.