Stress Testing Your Portfolio
The Stress Test page simulates how your portfolio would perform during major market crises.
Built-In Scenarios
| Scenario | Market Impact |
|---|---|
| 2008 Financial Crisis | S&P -56%, bonds -5% |
| COVID-19 (2020) | -34% in 23 trading days |
| Dot-Com Bust (2000-02) | S&P -49.1% |
| 1987 Black Monday | -22% in one day |
| 2022 Bear Market | Combined stock + bond decline |
Hypothetical shocks: Interest rates +300bps, Tech -50%, and Stagflation.
Smart Asset Classification
Every holding is classified for accurate modeling:
| Asset Type | Drawdown Model |
|---|---|
| Equities | Historical beta × market drawdown + known specific drawdowns |
| Bond ETFs/Funds | 12 sub-type classification (Treasury, Corporate, High Yield, Muni, etc.) |
| Preferred Stocks | Fixed coupon + issuer credit risk |
| Balanced Funds | Blended equity/bond |
| Money Market | Minimal drawdown |
Beta Source (3-Tier)
- Live API Beta from FMP (primary for all asset types)
- Known Betas — Hardcoded for securities without API data
- Smart Defaults — Asset-type-based last resort
Results
- Per-holding estimated loss ($ and %)
- Portfolio-level total loss
- Risk score per scenario
- Bond/Preferred badges on fixed-income holdings
- Expandable row detail for each holding