| Month | Your portfolio | Doing nothing | Difference |
|---|
| Asset | Price | 1 month | History | You hold | Trade |
|---|
The first number is roughly what the real thing returned in the past. The second is what this simulation expects from here — and it is deliberately much lower for the past winners. , and it is the most useful thing on this page.
Nvidia returned about 33% a year for twenty years. This simulation expects roughly 9% from it. That is not pessimism — a price already reflects how good everyone knows the company is.
Ethereum can move 85% in a year. It is not expected to return more than shares over time — you are taking on far more risk for the same expected reward.
Money left alone grows on its own growth. Ten years of an ordinary return usually beats a few brilliant trades, which is why the benchmark line is so hard to beat.
Fisher & Paykel, Mainfreight, Meridian and a2 Milk all ride the same NZ economy. One NZ fund plus one world fund is duller and genuinely safer.
A $3 flat fee on a $50 trade is 6% gone before you own anything. The same fee on a $5,000 trade is 0.06%. Trade small and often and the fees quietly take your returns.
You will be in it from your first payslip for about 45 years. The fund you pick is the biggest money decision you will ever make, and most people never make it.
One student per line. Put their name first if you want it shown:
Whatever you pick, the app will tell you at the end what it cost or earned you.