Simulate Your Portfolio

To keep comparisons across regions clear and consistent, we use the Compound Annual Growth Rate (CAGR) of major stock market indices. CAGR reflects how much, on average per year, an index’s price would have grown over time, capturing the effect of compounding. Please note we use price data only and do not include dividends or distributions, so the analysis focuses on pure market price performance. For each region, we reference a representative index, such as the S&P 500 (United States), STOXX Europe 600 (Europe), DAX 40 (Germany), CAC 40 (France), FTSE 100 (United Kingdom), Nikkei 225 (Japan), SSE 50 (China), STOXX Hong Kong 210 (Hong Kong), and the IBOVESPA (Brazil). Together, these indices provide a broad and reliable view of market behavior over time.

No. The information we present is based on historical performance and is for illustrative purposes only. Investing always involves risk, including the potential loss of part or all of your capital. Past performance does not guarantee future results, and investment prices can rise or fall. This material should not be considered investment advice or a recommendation. We encourage everyone to carefully assess their financial goals and risk profile.

The balanced profile is built from the historical averages of the indices we use. From that baseline, the aggressive and conservative profiles adjust those averages using multipliers that simulate higher or lower volatility scenarios. These adjustments reflect different portfolio construction approaches, ranging from broader diversification to more concentrated allocation.

Diversification is a strategy that spreads investments across different assets, sectors, regions, or financial instruments to reduce risk. By not concentrating everything in a single market or asset, potential losses in one part of the portfolio can be offset by gains in another. In simple terms, diversification helps smooth volatility and improve the risk-return trade-off over time.