Pholoom

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Portfolio Dashboards

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IMPORTANT Projections are hypothetical—not investment advice. They do not reflect actual investment results and are not guarantees of future results. Read more
Pholoom is an educational portfolio-modeling tool. It does not provide investment, financial, legal, or tax advice or recommend any security. Projections use a constant user-selected annual return converted to an effective monthly rate, assume end-of-month contributions, and estimate annual income as projected value multiplied by portfolio yield. Inflation adjustment is available as an optional toggle, but it applies one constant user-set rate rather than modeling how inflation actually varies year to year. Results do not model market volatility, drawdowns, sequence-of-returns risk, changing yields, fees, or taxes. Results vary by inputs and actual outcomes may differ materially. Consider consulting a qualified financial or tax professional before making financial decisions.
Portfolio & Total P&L
+0.0%
$100,000
Balanced (100.0%) Cost: $100k
5-Year Projected Value
$150,366
+50.4% investment growth (8.5% annual return)
Rule of 72 Estimate
8.5 Years
Capital doubles to ~$200,000
Top 3 Concentration
VTI + VXUS + BND
100.0% combined share (3 positions)

Holdings & Target Weights

Ticker Asset Name Category Avg Cost Price Shares Weight (%) Market Value Gain / Loss Actions
Add New Asset to Portfolio
Contribution Split to Approach Target Weights

Arithmetic on your own numbers, not a recommendation of what your targets should be: compares each holding's Target % (its Weight field above) against its Actual % (from Price × Shares), then splits your +DCA amount across underweight holdings in proportion to how far below target each one is.

Compounding Trajectory Matrix

Common planning presets:
%
%

Return presets are planning assumptions, not forecasts. CAGR represents total return; portfolio yield estimates annual dividends or cash income and is not added a second time to projected value. Yield is a manual assumption, not calculated from your holdings — if you swap assets in or out, revisit it. Toggle Today's $ to see projections deflated for assumed inflation instead of future nominal dollars.

Timeline Projected Portfolio Value Estimated Annual Income Investment Growth
Strategy Notes & Investment Guides

Asset Breakdown

Hover / Click Slices
100%
Allocated
    Pholoom creator avatar
    Creator / Channel: Pholoom Lab

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    Core Wealth Principles & Strategy:
    Browser-local manual mode
    Optional quotes: finnhub.io · eodhd.com · API keys stay in memory for this tab only.

    Saved models remain in this browser only. Use Export Backup to move your data to another device or browser, and Import Backup to restore it there. Share Link lets you choose an allocation-only, performance, or full-portfolio view.

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