Most people have a point where an investment allocation gets abandoned - not because the plan changed, but because the discomfort did. This tool helps you find that point before the market does.
Drag the slider or select a row below. Stop at the loss that would make you seriously consider selling, moving to cash, or abandoning the strategy.
| % Decline | Decline | Portfolio Value |
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| Allocation | Worst Peak-to-Trough Decline | Est. Decline | Status |
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Select your freak-out point above to see which allocations would have kept you within it.
What this measures. The "freak-out number" is the loss threshold at which an investor is behaviorally likely to abandon their strategy — typically at or near a market bottom, converting a temporary paper loss into a permanent, realized one. This is a behavioral planning exercise, not a prediction.
Peak-to-trough drawdown figures. Each allocation's figure is its worst historical peak-to-trough decline — the maximum cumulative loss from a market high to the subsequent low, not a single calendar year. This captures multi-year bear markets (e.g., 2000–2002, 2007–2009) where the drawdown built over time and exceeded any individual year's loss.
Past performance does not guarantee future results. This tool is intended for educational discussion between an advisor and client, not as a standalone recommendation.
| Allocation | Max Drawdown % |
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