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Retirement risk analysis
How much could a market shock change your retirement balance?
Stress-test your current stock and gold allocations against four clearly labeled historical-style scenarios.
- Runs privately in your browser
- Adjustable assumptions
- Educational estimate
Your assumptions
Build a portfolio stress test
The remainder after stocks and gold is treated as a neutral 0% allocation during the selected shock. Change any input to recalculate instantly.
StocksGoldOther / neutral
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Method and limitations
The calculator applies the selected stock and gold percentage changes to those portions of the entered balance; the remainder is held flat for the shock. Recovery time assumes a user-independent 7% annual recovery rate and is rounded. Scenario defaults are simplified illustrations based on well-known market periods, not exact portfolio histories or future forecasts.
Results are illustrations based on the values entered. They are not predictions or individualized investment, tax, or legal advice. Confirm rules, fees, returns, eligibility, and account treatment with qualified professionals and the relevant plan administrator or custodian.