WhyInvest.app

1. 🚀 The 60-Second Quickstart & Portfolio Duel

WhyInvest models how wealth actually compounds across time, accounting for continuous cash deposits, withdrawals, volatility drag, fee friction, and crisis survival.

• Adding Assets: Use the search bar to add any ticker (e.g. SPMO, NVDA) or build custom blends by typing weights (e.g. 60% SPMO + 40% GLD).
• Baselines: VOO serves as the Market Benchmark and GLD serves as the Market Hedge.
• 3 Chart Views: Toggle between Portfolio Wealth ($) (compound balance), Drawdown Curve (%) (underwater risk depth), and Rolling 12M Return (%) (annual volatility cycles).

2. 💵 The Cashflow Studio (Real-World Investing)

Unlike academic calculators that assume a single static deposit, WhyInvest simulates dynamic cashflows:

3. 🛡️ The 3 Monthly Refill Modes Demystified

Under Starting Capital, the Monthly Refill dropdown models tactical capital injection policies at monthly close:

4. ⚡ Leverage Multipliers & CFD Financing Drag

Leverage accelerates gains during bull markets, but incurs borrowing costs and magnifies drawdowns. Click ⚙️ Advanced to access:

• Multipliers (1x to 5x): Amplifies market returns while tracking borrowing drag on borrowed capital.
• Financing Modes:
  • Spot CFD (7.88%): Benchmark interest rate (SOFR 3.88%) + 4.00% retail broker financing spread.
  • Futures CFD (4.00%): Clean institutional carry cost based on quarterly futures basis spread.
• Liquidation Protection Engine: If leverage losses exceed 100% of equity (e.g. 2x leverage during the 2008 crash where market fell -57%), the engine triggers a margin call, displaying liquidation warnings.

5. 📉 Real Purchasing Power (CPI Inflation) & Fee Friction

• Real Inflation Mode: Deflates terminal balances by annual CPI (default 2.8% or custom). Shows what your nominal dollars will actually buy in future goods and services.
• Friction / Fee Drag: Simulates advisor fees or ETF expense ratios (0% to 1.0%/yr). Watch how even a modest 0.5% fee compoundingly eats tens of thousands of dollars over a 30-year career.
• DRIP Active: Reinvests dividend cash distributions monthly to capture true Total Return compounding.

6. ⏳ Timeline Horizons: Fair Overlap vs Deep 1985

• Fair Overlap: Eliminates survivorship bias. Synced to the inception date of the youngest asset in the portfolio so all curves duel across the exact identical historical market environment.
• Since 1985 (Deep Proxy): Explores full historical depth. VOO and GLD both start in February 1993, allowing 33+ years of continuous multi-decade backtesting including the 2000 Dot-Com crash and 2008 GFC.

7. 💥 The 40-Year Crisis Survival Engine & Macro Landmarks

• Strict 17% Crisis Law: Tests portfolio resilience across the greatest market crashes since 1987 (1987 Black Monday, 1990 Gulf War, 1998 Russian Default, 2000 Dot-Com, 2008 GFC, 2011 Debt Downgrade, 2018 QT, 2020 COVID, 2022 Inflation, 2025 Tech/Tariffs).
• Threshold Controls: Filter table by 20% Bear Markets, 17% Crises, or 13% Corrections.
• Global Macro Landmark Dots: Interactive diamond dots plotted directly on the chart canvas. Hover over any landmark dot to see historical context cards (including 9/11, 2008 GFC, 2020 COVID, 2023 Banking Crisis, 2024 Japan Yen Carry, and 2026 Iran War). Dots anchor with strict institutional priority: VOO → GLD → Oldest active curve.