lazyportfolio

Portfolio Overview

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Holdings

Historical Performance

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Calculator

Return Calculator

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Dollar Cost Average Calculator for

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Rolling Returns

From to , the worst annualized return of 3-year rolling returns is .

From to , the worst annualized return of 5-year rolling returns is .

From to , the worst annualized return of 10-year rolling returns is .

Maximum Drawdown

How to use the lazyportfolio

The lazyportfolio is designed to help you pressure-test portfolio growth, compounding, drawdowns, income, and asset-allocation decisions across funds, stocks, and portfolios before you make a real-world change. Instead of relying on one rough estimate, run a few scenarios with conservative, base-case, and optimistic assumptions so you can see how sensitive the result is to returns, contribution levels, inflation, taxes, or timing.

A calculator result is most useful when you connect it to the account or plan decisions you actually control. After reviewing the output, compare it with your current savings rate, employer match rules, investment menu, expense levels, and withdrawal or rollover options. That is where MyPlanIQ's plan pages and retirement research become useful companions to the raw number.

If the result looks weak, treat that as a planning signal rather than a dead end. Small changes such as contributing earlier in the year, capturing the full company match, lowering fees, adjusting withdrawal assumptions, or choosing a more suitable allocation can materially change long-term outcomes. Re-run the calculator after each change and use the related links below to keep moving from estimate to action.

Related resources

Calculator FAQs

What is the best way to compare investment scenarios?

Keep the time horizon the same, change only one major assumption at a time, and compare total return, drawdown, income, and ending value together. That keeps the comparison focused and easier to trust.

Why do fees and allocation matter in portfolio calculators?

Even modest fee differences or allocation changes compound over long periods. A portfolio calculator helps you see how those seemingly small choices can change long-term wealth and income.

How should you use a portfolio result in your retirement planning?

Use the result to review whether your workplace plan menu, fund costs, and asset mix support the growth or income path you want. Then test another related calculator to pressure-test the decision.