Portfolio research & decision support
Start where you are — learn, analyze, or research your investments.
Whether you’ve never bought a stock or you tune factor tilts for a living: learn with an example first, analyze a portfolio you already own, or run serious research. No money or account needed to start.
Backtest supported U.S.-listed stocks and ETFs, stress-test against real crises, measure diversification, and simulate the future — with every assumption visible and every method documented.
Results are hypothetical analyses built from historical data and the assumptions you choose — not predictions, and not investment advice. How our methods work ↗
Free, no account No brokerage login Educational, not advice
Real historical results from the backtest engine (annual rebalancing, dividends reinvested), precomputed 2026-07-10. Shaded bands = 2008 · 2020 · 2022 crashes. Hypothetical, educational — not a recommendation.
Every assumption visible
Rebalancing, dividends, fees, date windows — echoed on every result and changeable in one click.
Methods you can check
Formulas, data conventions, and known limitations are documented per tool — not hidden in a black box.
Honest by design
Findings are descriptive, never “buy this.” No return promises; costs and biases are flagged where they matter.
Start with a question, not a tool
Three questions every investor should be able to answer
Each one takes about a minute. No account, no jargon — the tool teaches you the vocabulary as you go.
How would my portfolio have performed?
Enter your holdings once and replay them through up to 30+ years of real market data (window depends on your holdings' history) — growth, drawdowns, and the full risk picture.
Run a backtest →Would it survive 2008 — or the next crash?
Replay your exact holdings through real crashes — 2008, COVID, 2022 — and run what-if shocks for a market drop and a rate spike.
Stress-test it →Explore my risk willingness and capacity
Ten bank-style questions give you a risk band, concrete guardrails, and example portfolios inside your stock range — each measured against every guardrail with real historical numbers.
Find my profile →How it works
Numbers first. Then, what they actually mean.
- 1
Enter your tickers
Type your holdings and weights — or load a ready-made model portfolio, import a CSV, or scan a screenshot of your brokerage.
- 2
Watch decades replay
Real, split-adjusted prices and dividends. Every major decline in your holdings' shared history, shown month by month.
- 3
Read it in plain English
Headline numbers with hover definitions, drawdowns you can point to, and AI Insights that explain what it means — depth is there when you want it.
Solid, with one caveat. This 60/40 portfolio grew 7.2%/yr over 23 years and cushioned every crash — but it still fell 32% in 2008–09. Knowing that number before it happens is the whole point.
Who it's for
Made for people who make their own calls
The same portfolio flows through every tool — learn the vocabulary or audit the formulas from one object, not sixteen calculators.
New investors
Plain-language findings, definitions one tap away, and sample portfolios to learn on.
Self-directed investors
Full control of assumptions — rebalancing, contributions, fees, benchmarks — with exportable series.
Quantitative users
Documented formulas, data conventions, and reproducible saved analyses with CSV of everything.
Advisors & professionals
Consistent, client-readable reports with disclosures and provenance — and no hype to walk back.
Why people trust it
Built to be understood — and to be checked
No finance degree required
Every number carries a plain-English definition, and AI Insights translate results into what they mean for you.
Real data, honest math
Split-adjusted prices & dividends (Twelve Data), Treasury yields & inflation (FRED). Documented, unit-tested formulas — no black boxes.
Free to start, yours to keep
17 analysis tools free to run — no account needed — plus CSV export. AI Insights and saving come with a free account; Parameter Sensitivity and Contribution Coach are paid research tools. Upgrade for more saves, monitoring, and clean reports.
Private by design
No brokerage logins, no account numbers, no balances — just tickers and weights. No ad tracking, no data selling, ever.
Hover any term — this is how the whole app works. No tab-switching to Google definitions.
Educational and informational only — not financial advice. Backtests are hypothetical; past performance doesn't guarantee future results. Disclaimer · Privacy · Terms — short and in plain English.
Or start from a model portfolio
Load a ready-made portfolio into the backtester in one click, then change anything and re-run.
Classic Balanced
BalancedThe textbook 60% stocks / 40% bonds split. Stocks drive long-term growth while bonds cushion the downturns and reduce swings. A sensible all-purpose middle ground — less growth than all-stock, but noticeably smoother.
Global Three-Fund
GrowthTotal US stocks + total international stocks + total bonds. Like Classic Balanced, but it diversifies the stock sleeve worldwide so you're not betting on a single country — at the cost of tracking the US market less closely.
All-Season Diversified
Moderately ConservativeSpreads risk across stocks, long- and intermediate-term bonds, gold, and commodities so something tends to hold up in any environment. Designed for low drawdowns and a steady ride; usually trails an all-stock portfolio over long bull markets.
Pricing
17 core tools are free. Paid plans keep, brand & scale it.
Try any tool free — no account needed, and no run limit. A free account is what saves your work and keeps an eye on it. That account also gives the portfolio a Plan and a monthly Portfolio Check-in against it.Parameter Sensitivity and Contribution Coach are paid research tools; upgrade when you want drift alerts, more saves, report-ready PDFs, or team sharing.
Free
two ways to use it, both free
Try without an account
- 17 analysis tools, complete results (Parameter Sensitivity and Contribution Coach are paid)
- CSV export & watermarked PDFs · Growth Replay 3/day
Create a free account
- Save 1 portfolio + 3 analyses (30-day history)
- Your Plan: targets, bands and a goal
- Portfolio Check-in — monthly · weekly checkup email
- AI Insights 5/mo · screenshot import 3/day
Pro
$144/yr · save $36 · or $15/mo monthly
- Never lose your work — 25 portfolios, 100 analyses
- Monitor 5 portfolios with alerts
- Clean PDFs & share links
- AI Insights — 50/month
Advisor
$432/yr · save $108 · or $45/mo monthly
- Commercial-use license
- Branded reports (your firm & logo)
- Advisor workspaces — organize by client
- Unlimited saves & monitors · AI 200/month
Business
$1,440/yr + $288/yr per seat · or $150 + $30/seat monthly
- Everything in Advisor
- Team members, roles & audit log
- Read-only shared client access
- AI Insights — 200/seat/month
One connected workspace for backtests, scenarios, optimization, factors, and saved research. Annual prices shown (20% off) with the exact yearly charge and the monthly alternative beside each; compare all plans for full details.
Frequently asked questions
What is portfolio backtesting?
Backtesting applies a portfolio's allocation to historical market data to estimate how it would have performed — its returns, volatility, drawdowns, and risk-adjusted metrics. Results are hypothetical and not a prediction of future performance.
Is Informed Portfolio free?
Mostly. 17 of the 19 analysis tools — from backtesting, Monte Carlo, and the efficient frontier to factor analysis, stress testing, retirement planning, and stock fundamentals — are free to run with no account, plus CSV export. Parameter Sensitivity and Contribution Coach are paid research tools. AI Insights are free with a free account (5/month), which also saves 1 portfolio and 3 analyses (30-day history); paid plans raise those limits and add clean PDF reports, clean share links, portfolio monitoring, and higher AI Insights limits.
Where does the market data come from?
Stock and ETF prices and dividends come from Twelve Data; Treasury yields and inflation (CPI) come from FRED, the Federal Reserve Bank of St. Louis. Returns use split-adjusted prices, and total-return calculations reinvest dividends on their ex-dates.
Do I need an account?
No account is needed to run the 17 free analysis tools or export their CSVs. A free account adds AI Insights (5/month) and saves 1 portfolio and 3 analyses (30-day history). Parameter Sensitivity and Contribution Coach, higher limits, clean PDF exports, portfolio monitoring with alerts, and clean share links come with paid plans.
Is this financial advice?
No. Informed Portfolio is for educational and research purposes only. It does not provide financial, investment, tax, or legal advice, and past performance does not guarantee future results.
Start where you are.
Your first analysis takes under a minute. No account, no credit card, no brokerage login — just answers.
Educational use only · results are hypothetical