the optics bench · align the beam
The best portfolio isn't the highest return. It's where the beam grazes the line.
Plot Indian equity, global value, gold, REITs and debt in risk/return space. A single beam from the risk-free rate is swept until it just touches the efficient frontier — the point it lands on is the max-Sharpe portfolio, the most return per unit of risk. Every assumption shows its forward return, volatility, and honest downside.
Bench readout · 2026-08-04
- Nifty 50 24,614.9
- Gold ₹/10g ₹1,25,271
- USD/INR 95.38
- 10Y G-Sec 6.8%
Levels refresh nightly. Forward-return assumptions are reviewed by hand — never extrapolated from a bull market.
the reading
- 01 Set your risk
14 questions on horizon, income stability, and drawdown tolerance map you to a profile. Answers stay in your browser.
- 02 Plot the frontier
The engine samples 4,000 portfolios and returns the one on the tangent line — highest Sharpe. Drag any weight; the plot and stats recompute live.
- 03 Read the downside
Bear / base / bull bands plus a 1,000-path Monte Carlo cone. Assets below the 12% floor and P2P are flagged coral with sourced caveats.
what we don't hide
- Only Indian equity clears the 12% forward floor. International equity is ~5% INR net; gold's trailing 43% is a one-off 2025 rally (honest ~11%); P2P's 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 over a full cycle. The projection chart draws this as the bear band, not a footnote.
- P2P has structural risk. RBI (Aug-2024) banned assured-return marketing, credit guarantees, and secondary-market liquidity. The 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 →