Investment thesis

Why you are allocated the way you are — and the signals you decide now, while calm, would tell you the thesis is broken. Not part of the simulation. Future-you reads this during a downturn, when fear argues for selling; pre-committed invalidation criteria are the antidote.

Assets & buckets
Loans

Loans are top-level entities. Each loan is single-bucket — its collateral assets must all live in the same bucket. The same asset can back multiple loans. Repayments are paid out-of-band (they don't reduce contributions).

Actions taken this year

Record real-world transactions you've made (sells, buys, contributions, buffer redeploys) as you do them. This is a progress log — your Y0 holdings and the model's Y1 plan stay anchored as the annual GOAL. Track how much of the plan you've executed without the model recalibrating partway through.

From asset
To asset
Opens a dialog asking for your actual end-of-Y0 balances + cost basis per asset (pre-filled with the model's Y1 prediction). On confirm: applies your values, decrements time-relative settings by 1 year (horizon / drawdown start / preservation / glides / cash events / loan starts), archives the current journal. Reversible from the Past advances list below.

Advance to next year

Enter your actual end-of-Y0 balances and cost basis (pre-filled with the model's Y1 prediction). On confirm: time-relative settings shift by 1 year and the journal archives. Reversible from Past advances.

What exactly changes?
  • Each asset's start + cost basis set to your values (historical lots collapse to one starting lot; engine creates fresh lots for new buys after).
  • Time-relative settings decrement by 1: horizon, drawdown start, preservation year, living-target glide window, per-asset glide windows, return-decay window, downturn event start years, loan activation years.
  • Cash injections / withdrawals that would land at year 0 or earlier are dropped (they're in the past now).
  • Loan balances roll to their Y1 model value (deterministic via amortization).
  • Active journal moves to Past advances; can be undone whole.

Encrypted backup

The passphrase is never stored and cannot be recovered. If you lose it, the backup file is permanently unreadable.

Export config

Download your config to a file. Optionally encrypt it with a passphrase.

A plain export contains your portfolio and scenarios only. An encrypted export also includes your AI settings — including the Gemini API key — and its passphrase is never stored and cannot be recovered.

Restore config

Load a previously exported config file. Encrypted files are detected automatically — you will be asked for the passphrase. This replaces your current config.

Next actions (Y1 → Y3)

Reflects the model at current settings — actual outcomes depend on returns matching assumptions. Treat as "if the world behaves as modelled, this is what to do."

Action-panel values stay nominal (actual dollars you'd transact in that year) — useful as a "what do I actually do" guide. Toggle above is informational for chart & stats only.
Display values in

Hover any year for balance, income, tax and drawdown breakdown

Chart values shown in today's $ — nominal balances deflated by CPI year-by-year.

Current allocation

Ideal allocation (target)

Projected at year 40

Yearly allocation