2,000 historical simulations sample shared three-month circular blocks across your holdings. Existing cash stays at zero growth. Each scheduled contribution is invested after that month's return; the first occurs after N months. Investment amounts may be fractional.

Exchange rates stay constant. Dividends, taxes, fees, and inflation are not added separately. Inputs are provider price returns; their adjustment treatment is not verified. Extrapolating recent history over decades is a substantial assumption, not a forecast or investment recommendation.

At least 36 consecutive shared completed months are required, from up to five years of price history. A proxy replaces a holding's entire return history, never its starting value. Choose proxies explicitly and review their suitability.