Portfolio Monte Carlo Simulation
Project the range of future outcomes for any portfolio. A Monte Carlo simulation draws thousands of return paths from your portfolio's historical mean and volatility to estimate your odds of reaching a goal, the median and worst-case ending values, and the chance of running out of money.
Portfolio
State Street SPDR S&P 500 ETF Trust1993-02-28 → 2026-06-30click to change
%
SPDR Gold Shares2004-12-31 → 2026-06-30click to change
%
Total 100%
Future returns are drawn from a normal distribution using the portfolio's historical mean & volatility over the selected range.
Assumptions Return 11.37%/yrVolatility 11.73%/yr30 years · 1,000 simsfrom 2004-12-31 → 2026-06-30
Projected portfolio value
Shaded bands: 5–95th, 10–90th, 25–75th percentiles · line = median outcome.
After 30 years
Median ending$242,951
10th percentile$109,796
90th percentile$587,701
Mean ending$312,191
Chance below start0.00%
Chance depleted0.00%