Split your money. See how it would have done.
Try Indian and US stocks, gold and deposits through a real past period.
- Split ₹1 lakhChoose how much goes into each asset.
- Replay a real periodWatch it play out, crashes included.
- Try another mixMove money around and compare.
Split ₹1,00,000 across these investmentsEdit allocation ⌄
Your result
These results show your last submitted allocation. Submit your changes to update this period.
Understand the outcome
What happened to your money?
How each investment did
04 · The risks
How bumpy was it, and how fast could you get the money?
05 · Other possibilities
What if you had put everything into just one option?
These cards are not your portfolio. Each shows what would have happened if all your money had gone into that one investment over the same years.
Diversification and this simulator: common questions
Assumptions and sourcesRead the real market stories behind the numbers
What is diversification?
Diversification means spreading your money across different kinds of investments, such as Indian stocks, US stocks, gold and deposits, so that one bad result does not sink everything. Different investments often rise and fall at different times, which is why a mix can feel steadier than any single one.
How does the simulator work?
You split your money across investments. We then pick a random past period of 1, 3, 5, 10 or 15 years that your chosen investments have complete data for, and replay it using each investment's real yearly returns. You see what your money became, what it could buy after inflation, and the worst years. You can then change your mix and compare it over the same period. History runs through 2025.
Why does it choose the period for me?
If you could pick the years, it would be easy to choose a flattering stretch with hindsight. A random period tests your mix against years you did not choose, the way real markets do. You can press “Try another period” to see a different one, or choose your own years under the advanced options.
Which investments can I use?
Indian equities (Sensex price returns, without dividends), US equities, gold, fixed deposits and savings accounts. You can also add US dollar cash and US Treasury bills. Fixed deposits and savings use assumed interest rates of 7% and 4%, because a complete historical series was not available. Every source and assumption is listed on the methodology page.
Does diversification guarantee a profit or prevent losses?
No. A diversified mix can still lose money, and in some periods a single investment beats the mix. The point of diversification is to reduce how much you depend on any one outcome, not to remove risk. Try moving money between investments in the simulator and watch how the biggest fall changes against the growth.
How is inflation handled?
We use India’s annual consumer price inflation. Every result shows what your ending money could buy in the rupees of the starting year, and you can switch the charts to show growth after inflation. An investment that grew but less than prices rose has lost buying power.
Is this investment advice?
No. It is an educational tool based on past data. Past returns do not predict future returns. Results are before tax, and costs, access times and deposit rates are illustrative assumptions. Nothing here is a recommendation to buy or sell anything.