Simulate how your investments grow across different scenarios. Compare conservative, moderate, and aggressive portfolio strategies side by side. Enter your initial investment, monthly contributions, and time horizon to see projected growth under different return assumptions. This simulator helps you visualize the trade-off between risk and reward.
Total Invested
₹2,50,000
How your portfolio grows over time depends on your asset allocation — the mix of stocks, bonds, real estate, and other investments. Higher-risk allocations tend to produce higher long-term returns but with more short-term volatility. Understanding this trade-off is essential for choosing the right strategy.
A conservative portfolio (mostly bonds, some stocks) historically returns 4-6% annually with lower volatility. A moderate portfolio (balanced stocks and bonds) targets 6-8% returns. An aggressive portfolio (mostly stocks) aims for 8-12% but experiences larger drawdowns during market corrections.
Regular monthly investments leverage dollar-cost averaging. When markets drop, your fixed contribution buys more shares at lower prices. When markets rise, your existing holdings appreciate. Over decades, this approach smooths out market volatility and reduces the risk of investing a lump sum at a market peak.
Your investment timeline is the single most important factor in choosing a strategy. With 20+ years, aggressive allocations have historically recovered from even the worst downturns. With under 5 years, preserving capital becomes more important than maximizing returns.
Broad market indices have returned roughly 10% annually before inflation over the past century. After inflation, real returns average about 7%. International stocks, bonds, and real estate have their own historical return profiles. Use realistic assumptions rather than optimistic projections when planning.