Free tool

Portfolio Challenge

In the Portfolio Challenge you split 100% across stocks, bonds, gold and crypto, then a random market scenario hits. You see right away how well your mix holds up in a bull market, a crash or an inflation shock. Diversification you can try out.

Free, no sign-up, runs in your browser. For illustration only; not investment advice.

🧩 Portfolio Challenge

Split 100% across four asset classes. Then a random market scenario hits. How robust is your mix? The scenario returns are simplified game assumptions, not historical data and not a forecast.

Allocated: 100% Round: 0 Avg. score: —

Tip: a robust mix is not the one with the highest return in a single scenario, but one that holds up reasonably well across many.

Read more: Stress-Testing mit historischen Szenarien (German) · Die Korrelations-Illusion: warum Diversifikation in Krisen versagt (German)

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Use the four sliders to set weights for stocks, bonds, gold and crypto. If the weights do not add up to 100%, the game scales them proportionally, so 60/60/0/0 counts as 50/50. When you click “Simulate market scenario,” the game draws one of six market scenarios at random: a bull market and a soft landing each come up 30% of the time; a bear market, a crash, an inflation shock and rising real rates 10% each. Each scenario assigns a fixed return to every asset class. Your portfolio return is the weighted sum: each weight times its scenario return, added up across the four classes. The bars show each asset class’s contribution, above the line for gains and below it for losses. The average score is the mean of your scenario returns across all rounds so far.

The scenario returns are simplified assumptions made for the game. They are not historical data, not a forecast and not a verdict on which asset class is better. Real markets have more than a handful of states, returns vary widely within each one, and correlations between asset classes can change quickly, especially in a crisis. Use the game to see how a single scenario can dominate a concentrated mix, not to choose an allocation.