Can I model withdrawals or irregular contributions?

Yes, you can enter a negative value for the annual contribution to represent withdrawals, and the tool supports both end-of-year and beginning-of-year timing for when transactions occur.

How many portfolios can I compare at once?

The interface allows you to assign percentages to Portfolio 1, Portfolio 2, and Portfolio 3, enabling side-by-side comparison of up to three different asset allocations.

Does the tool account for inflation?

Yes, there is a contribution growth percentage field that adjusts the contribution amount annually to account for inflation.

What asset classes are available for selection?

The tool offers a wide range including US Total Stock Market, various large-cap and small-cap growth and value options, international and emerging markets, multiple bond types (Treasury, corporate, TIPS, tax-exempt), REIT, gold, precious metals, and commodities.

Investing & MarketsTool Review

Asset Allocation Calculator & Visualizer

Provided byPhuoc's Portfolio Visualizerphuoc.us

Construct asset-allocation portfolios and backtest them to analyze returns, risk, and drawdowns over chosen periods. ...

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About this tool

What Asset Allocation Calculator & Visualizer does

Phuoc's Portfolio Visualizer lets you build and backtest asset-allocation portfolios using Modern Portfolio Theory. You input an initial amount, start and end years, annual contributions, and contribution growth rate to model inflation adjustments. The tool lets you assign percentages across dozens of asset classes—from US Total Stock Market to various bond types and REITs—and runs a backtest that returns annual returns, risk metrics, and drawdowns over your chosen period. Results can be compared across up to three portfolios side by side. The site is free and requires no registration, giving immediate access to portfolio construction and analysis without barriers.

Step by step

How to use the Phuoc's Portfolio Visualizer Asset Allocation Calculator & Visualizer

1
Set your initial amount, start year, and end year to define the simulation window
2
Enter annual contribution amount and optionally adjust for inflation using the contribution growth percentage
3
Assign percentages to asset classes for up to three portfolios using the dropdown selectors for each row
4
Run the backtest to view returns, risk, and drawdown charts comparing the portfolios

Is it right for you

Best for

Investors who want a free, registration-free way to compare multiple asset-allocation portfolios and see how different mixes of stocks, bonds, and alternatives perform over time.

Limitations

Contributions are applied only at the end or beginning of each year, not mid-year
Results rely on user-selected asset class returns and are not based on a single historical dataset
The efficient frontier and Monte Carlo features mentioned in the task category are not described in the provided excerpt

Questions

Asset Allocation Calculator & Visualizer FAQ

Can I model withdrawals or irregular contributions?: Yes, you can enter a negative value for the annual contribution to represent withdrawals, and the tool supports both end-of-year and beginning-of-year timing for when transactions occur.
How many portfolios can I compare at once?: The interface allows you to assign percentages to Portfolio 1, Portfolio 2, and Portfolio 3, enabling side-by-side comparison of up to three different asset allocations.
Does the tool account for inflation?: Yes, there is a contribution growth percentage field that adjusts the contribution amount annually to account for inflation.
What asset classes are available for selection?: The tool offers a wide range including US Total Stock Market, various large-cap and small-cap growth and value options, international and emerging markets, multiple bond types (Treasury, corporate, TIPS, tax-exempt), REIT, gold, precious metals, and commodities.

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