Drawdown budget, not a vague "risk" dial
The slider sets the worst peak-to-trough drop you're willing to stomach. A lower budget tilts the book to bonds & defensives; a higher budget adds stocks, then crypto — sized so the historical drawdown fits your budget.
~% max drawdown is the backtested worst drop over 5y including 2022 (when even bonds fell ~12%). Higher budgets historically earned more return per unit of drawdown — the point of taking the risk.
Estimate from history, not a guarantee. Each asset still emits its own BUY/SELL/HOLD signal (regime + shape + support); capital flows to BUYs within the budgeted sector mix.
Goal Planner
pure math · no AIHow this works (no AI)
We solve the return you need to turn today's portfolio plus your monthly contributions into your target by your target year (time-value-of-money math).
Then we map that to the lowest risk level whose backtested base-case return meets it, and diff your holdings against that book into buy/sell trades.
Nominal figures — no inflation, tax or fees. Scenarios come from history, not a promise.
Enter your target, timeline and monthly contribution, then your current holdings. We compute the required return, show three outcomes, recommend a risk level, and produce a rebalance list.
- Screenshot your portfolio in your broker app — tickers & values visible.
- Click Copy AI prompt, then open ChatGPT, Claude or Gemini.
- Paste the prompt and attach your screenshot, then send.
- Copy the JSON it replies with, paste it below, and click Import.
- • Invest /month (instead of )
- • Extend the timeline to
- • At your current inputs the goal is only reachable in the optimistic scenario — not something to count on.
| Symbol | Now | Target | Action |
|---|---|---|---|
| not tracked not recommended |
position(s) already within ~1% of target — left unchanged to reduce churn.
Nominal estimates — no inflation, tax or fees. Scenarios span a 5-year backtest (optimistic) down to conservative long-run assumptions; not a promise. not recommended = we track it but it isn't a current buy/hold; not tracked = not in our system, handle manually.
Hidden concentration (ETF look-through)
Your ETFs give you effective single-name exposure on top of any direct holding. Effective = direct + Σ(ETF weight × the ETF's weight in that name).
| Name | Direct | Via ETFs | Effective | From |
|---|---|---|---|---|
| stacked |
Names ≥ 12% effective are highlighted as elevated single-name concentration across your ETFs and stocks. A heads-up, not financial advice.
Target weights, live regime signals, and how to deploy each position.
| # | Symbol | Price | Regime / Signal | Conviction | Weight | Amount | Action | Entry note |
|---|---|---|---|---|---|---|---|---|
|
comfort
|
|
|
Buy now = stable BULL trend at a reasonable entry. Stage ×N = extended or volatile — split into N buys a few days apart to average your entry. Cash = budget with no qualifying signal; deploy it as gated assets flip BULL. Not financial advice.