oriz · portfolio-lab
Design a max risk-adjusted portfolio.
Combine Indian equity, international ETFs, gold, REITs, and debt into the allocation with the highest Sharpe ratio. Every assumption shows its forward return, volatility, and honest downside — nothing extrapolated from a bull market.
Build my portfolio →Market levels — 2026-08-03
- Nifty 50 24,585.75
- Gold ₹/10g ₹1,24,514
- USD/INR 95.39
- 10Y G-Sec 6.8%
Refreshed nightly. Forward return assumptions are manually reviewed — not auto-updated.
How it works
- 01 Answer questions
Risk horizon, income stability, drawdown tolerance, experience — 14 questions that map to a risk profile.
- 02 See your max-Sharpe allocation
The engine runs 4,000 portfolio samples and returns the one with the highest return-per-unit-risk. Adjust weights manually; stats recompute live.
- 03 Understand every risk
Bear / base / bull projection bands plus a 1,000-path Monte Carlo cone. P2P and below-12% assets flagged in red with sourced caveats.
What we don't hide
- Only Indian equity clears 12% forward. International equity is ~5% INR net; gold trailing 43% is a one-off 2025 rally, honest ~11%; P2P advertised 10-18% is gross/pre-default — realistic net 6-10%.
- Equity drawdowns are real. Flexi/mid/small-cap carry 40-60% peak-to-trough loss potential over a full cycle. The projection chart shows this in the bear band.
- P2P has structural risks. RBI (Aug-2024) banned assured-return marketing, credit guarantees, and secondary-market liquidity. Lender bears 100% of default loss. No deposit guarantee.
Not investment advice. Forward returns are estimates; markets can fall 40-60%. Not SEBI-registered. Educational only. Do your own research. Full disclaimer →