See if your portfolio holds up, and still reaches your goal.
Allocara stress-tests your money against combined shocks, checks your cash needs, and shows ranges, never promises.
- Works offline
- Every assumption editable
- Past vs what-if clearly labelled
Balanced Core
A middle-of-the-road mix of shares, bonds, gold and cash.
45%
in shares
-9%
worst fall*
8%
ups & downs
Growth Tilt
Mostly shares, for long horizons and strong nerves.
80%
in shares
-31%
worst fall*
14%
ups & downs
Safety First
Bonds and cash heavy, for money needed soon.
10%
in shares
-2%
worst fall*
3%
ups & downs
Looks Diversified
Eight holdings — but is the risk really spread out?
70%
in shares
-18%
worst fall*
13%
ups & downs
*No market data is bundled yet, so these lines are drawn from the stated assumptions, not history. Featured portfolios are learning examples, not recommendations.
Analysis tools
Cash and goal check
Can you raise the cash you need in 12 months, and still reach your goals?
Scenario lab
Combine a share fall, rate change, rupee move and one extra shock.
Crash path
A stylised month-by-month fall and recovery, never a forecast.
Reverse stress test
How big a fall breaks your comfort limit or your cash cover?
Risk map
See when one holding quietly carries most of the risk.
Goal simulation
A fan of possible futures, with the chance of reaching each goal as a range.
Compare A vs B
Two mixes under the same what-if, with one plain sentence.
Past performance
Growth of 100, worst fall and more from real history (Phase 4).
Assumptions and limits
Every assumption editable, every formula visible, every limit stated.
Plain-words explainer
The results in a few plain sentences (Phase 5).
One-page report
A printable summary of the headline results (Phase 5).
How it works
1
Tell us about you
Portfolio value, goals, cash needs and the biggest loss you can accept.
2
Build a portfolio
Start from a sample or set your own mix across eight asset types.
3
Pick a what-if
A preset inspired by past crises, or your own combination of shocks.
4
Read the trade-offs
Conflicts in plain words, with options to explore — never advice.
Our honesty promise
Historical — measured from real past data, always labelled, never a forecast.
Hypothetical — a what-if under stated assumptions, shown as ranges.
Assumption — a number we chose and you can edit, in plain sight.