Portfolio Stress Test PRO
Test how market shocks could affect your portfolio and understand potential risks.
AI Scenario Assumptions
Scenario Details
Stress Test Results
Choose your portfolio and scenario, then select Run Stress Test.
Historical prices and any hypothetical assumptions will be identified in your results.
Stress Test Results
Portfolio Value During Scenario
Estimated percentage change in each holding—not its share of your total portfolio loss.
Asset Performance in Scenario
| Asset | Total Invested | Ending Value | Profit / Loss | Return | XIRR |
|---|
Scenario Assumptions
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How This Stress Test Works
Historical and hypothetical data
Historical replay uses adjusted closes for stocks and ETFs and daily USD closes for crypto. Missing crypto history requires your explicit approval of a hypothetical path. Missing stock or ETF coverage blocks replay.
Contributions and purchase timing
Starting investment occurs at the first common observed close. Recurring deposits begin one interval after the requested start, anchored to that date. Equity contribution cash waits for the next supported close; hypothetical prices are available every calendar day.
Drawdown, XIRR and recovery
Drawdown and recovery use a chain-linked return index that removes deposits. XIRR uses actual dated cash flows. Recovery is measured from the maximum-drawdown peak and is never extrapolated beyond this scenario.
Frequently Asked Questions
How are stocks and ETFs calculated?
Both Historical Crisis and Custom Period use actual adjusted historical closes for the selected dates. No market-change or beta formula is applied in those historical modes. AI Scenario estimates stock and ETF impact using trailing-year beta × the S&P 500 scenario change, and crypto impact using the scenario crypto change. It uses the current invested value, without future deposits or an invented price path. Missing stock or ETF coverage blocks historical replay.
What does crypto fallback mean?
A missing crypto history is replaced only after you approve a clearly identified hypothetical decline and price path. This never becomes historical price data.
What does Save Analysis keep?
Save keeps your configuration, assumptions, calculation results and metadata in My Library. Download Report exports a readable report. No separate stress comparison is created.