Early-Stage Crashes Are a Gift
During the accumulation phase when you are regularly adding new savings, market downturns allow your monthly contributions to purchase more ETF units at deep discounts.
Review Risk Module →
PREMIUM SIMULATOR
Crisis Stress-Testing War Room & Scenario Lab
Dual-engine risk workbench: Stress-test your specific portfolio against the 4 most severe historical financial crashes (2008 GFC, 2000 Dot-Com, 2020 COVID, 2022 Rate Shock), or simulate 1,000 stochastic Monte Carlo probability paths.
Portfolio Parameters
Quick Allocation Presets:
($6,000 / year ongoing pre-authorized contributions)
Portfolio at Trough
$57,920
Peak value: $100,000
Maximum Dollar Drop
-$42,080
-42.1% max drawdown
Fixed Income Armor
+$14,720
Saved vs. 100% all-equity
Breakeven Horizon
2.5 Years
Accelerated with $500/mo PAC
Peak-to-Trough Drawdown & Recovery Trajectory
Normalized portfolio valuation path from market peak (100%) through crash bottom and recovery
━ Your Portfolio
┈┈ 100% Equity
╌╌ 60/40 Balanced
Asset Allocation Resilience Matrix
Compare how standard Couch Potato / Boglehead asset allocations performed in this exact historical crisis.
| Strategy | Stock / Bond | Value at Trough | Max Drawdown | Trough Time | Recovery (PAC) |
|---|
ACTIONABLE PROTOCOLS
Evidence-based rules to protect wealth during market panic
Your Crisis Resilience Playbook
Understanding Sequence of Returns
Why average returns can be deceptive
Two investors can have the exact same 7.0% average compound return over 25 years, but end up with vastly different wealth depending on when market crashes occurred.
Retirement Sequence Risk
During decumulation, a severe crash in your first 3 years of retirement forces you to sell assets at a loss to fund living expenses, permanently impairing portfolio longevity.
Test Withdrawal Planner →The Role of Cash Buffers
Holding 1 to 2 years of living expenses in cash or cash-like ETFs (CASH.TO, SGOV) insulates you from having to sell equities during sharp cyclical downturns.
Review Psychology →