Introducing ZEGA's Growth Simulator 2.0

By Derek Moore

Growth Simulator

Within the ZEGA website you can launch the growth simulator.

We’ve now added the ability to add a spouse to get a more complete picture of how assets will progress over a lifespan. Within the growth simulator you can input things like their age, current assets, annual savings rates, retirement dates, and estimated rate of return along with risk tolerance.

You can even input when they will begin drawing social security and then the system will estimate the annual benefit or put in a manual estimate.

Portfolio Builder

This section is brand new and enables you to build a hypothetical portfolio using categories like growth, aggressive alpha, alternative appreciation, hedged equity, and conservative.

Each of those builds in assumptions for hypothetical annual returns and you can adjust the percentages. Then you visually can see in both pie chart form and within a risk vs return efficient frontier graph. This helps to align what investors want or need vs potential portfolios.

You can even download it into a PDF.

Planning For Future Income and Expenses

Another benefit of the simulator is the ability to input future expenses or income in the year or years they will occur.

You can specify a range such as side hustle earning x dollars in 2025-2030. Or maybe that really cool aunt or uncle who plans to give you some money. Or the dreaded expense of college (assuming your son or daughter doesn’t get a full ride to Harvard).

Try it out today and let us know what you think!

Content should not be viewed as personalized investment advice. Market events and other factors may affect the reliability of the potential outcomes. Simulated growth is purely hypothetical and does not represent the performance of ZEGA Financial or any of its advisory clients.

Projected growth may be better or worse than the projections. Projections are based on assumptions that may not come to pass and are used for illustrative purposes only. Projected growth does not reflect the impact that taxes, investment expenses, and advisory fees will have on the results. Projections are derived from sources deemed to be reliable. No warranty or guarantee is made as to their accuracy or completeness. Social Security rules and regulations and tax laws are subject to change at any time.

Asset allocation and diversification do not ensure or guarantee better performance and cannot eliminate the risk of investment losses. All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions may materially alter the performance of an investor’s portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor’s portfolio.

Historical performance results for investment indexes and/or categories, generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment management fee, the incurrence of which would have the effect of decreasing historical performance results. There are no assurances that a portfolio will match or outperform any particular benchmark.