WORLDINVESTMENT MANAGEMENT

THE PORTFOLIO LAB

What changes when
your assumptions change?

An educational calculator for allocation, time, costs and a one-off market shock. Enter your own assumptions; no scenario is a recommended portfolio.

Build your illustration

All money values are in the same currency units. Example inputs are arbitrary, not market forecasts.

Allocation & assumptions

Weights must total 100%. The shock applies once to starting capital, independently of the growth scenario.

Asset classWeight %Return %/yrShock %
Equities
Bonds
Private assets
Cash

ILLUSTRATIVE RESULTS

Nominal capital at the end

—
In today’s purchasing power—
Total capital added
Assumed annual rate after fee—
One-off shock on starting capital—

This is arithmetic under fixed assumptions, not a prediction. Values may fall, including below capital added.

Formula, assumptions and limitations

Gross assumed rate = Σ(weight ÷ 100 × assumed asset return ÷ 100). Net assumed rate = gross rate − annual fee ÷ 100. Starting with V₀ = initial capital, Vₜ = Vₜ₋₁ × (1 + net rate) + annual addition. Real value in year t = Vₜ ÷ (1 + inflation ÷ 100)ᵗ. Shock value = initial capital × (1 + Σ(weight ÷ 100 × shock ÷ 100)).

Returns, fees and weights are held constant; weights are assumed restored each year without costs. The fee is a simplified percentage-point drag. Additions are made at year end. Taxes, withdrawals, transaction costs, changing valuations, leverage, volatility, correlations and private-asset capital calls are excluded. The shock is a separate instantaneous illustration and is not included in the annual path.

Private assets are grouped for arithmetic only. This does not model their investability, lockups or suitability. No data are sent to a server by this calculator.

Year-by-year illustration
YearCapital addedNominal valueReal value