Define what portfolios are pre-loaded when users first open the tool
Current (Current) - Default Allocation
Total: 0%
Modeled (Modeled) - Default Allocation
Total: 0%
⚡ Scenario Button Configuration
Define what the 4 scenario buttons load. Enter column numbers and percentages (leave blank for 0).
Scenario 1 (Top Left Button)
Current (Current):
Modeled (Modeled):
Scenario 2 (Top Right Button)
Current (Current):
Modeled (Modeled):
Scenario 3 (Bottom Left Button)
Current (Current):
Modeled (Modeled):
Scenario 4 (Bottom Right Button)
Current (Current):
Modeled (Modeled):
Changes are temporary. Export HTML below to make permanent.
Portfolio Model Availability Configuration
Select which models should be available in each portfolio selector
Model Name
Column Index
Portfolio 1 (Current)
Portfolio 2 (Modeled)
60/40
2
WavRyder QQQ
3
WavRyder SP500
4
Aggressive WR Adj
5
Moderate WR Adj
6
Conservative WR Adj
7
Leveraged Nasdaq
8
Leveraged S&P500
9
WavRyder QQQ/SP500 Leveraged)
10
Other Fund
11
SP 500
12
Bond
13
WavRyder AGG
14
International
15
WavRyder VEA
16
QQQ
17
S&P500
18
WavRyder SPY
19
Target Fund
20
Changes are temporary. Export HTML below to make permanent.
📊 Advanced Risk Metrics Visibility
Control whether Advanced Risk Metrics are visible to end users. These metrics may be too technical for average users.
Default: Hidden (unchecked). Change will be saved when you export HTML.
📤
Export for GitHub Deployment
📋 WORKFLOW:
1. Upload your Excel file at the top (performance_data_with_config.xlsx)
2. Verify scenarios and models loaded correctly
3. (Optional) Make quick edits using Update buttons above
4. Export HTML - this captures EVERYTHING from Excel
5. Upload to GitHub
✨ Excel is Your Master File
• Performance data comes from Excel
• Scenario configurations come from Excel rows 48-51
• Model availability comes from Excel rows 57+
• Export captures everything and bakes it into HTML
• No localStorage, no confusion - just Excel → HTML → GitHub
⚠️ When others open your GitHub link:
• They see exactly what was in your Excel file
• No Excel upload needed by them
• Dropdowns show only the models you configured
• Scenario buttons have your titles and allocations
📤 Export Preview
Review your configuration before downloading
🔧 Model Availability
Current Portfolio (Row 1-2):
Modeled Portfolio (Row 3-4):
⚠️ Remember:
• This HTML file will have these as the DEFAULT settings
• Other users can still upload their own Excel to override
• Update and re-export whenever you want to change the defaults
🔬 Hypothetical Historical Comparison — Important Information
What This Tool Shows
This calculator illustrates how selected, rules-based portfolio models and strategies would have performed historically over the period December 30, 2005 through December 31, 2025, using hypothetical and backtested data. The results shown are not predictions, projections, or forecasts of future investment performance.
Key Limitations
Historical hindsight: Backtested results are developed using historical data and benefit from hindsight.
Simplified assumptions: Results do not include fees, expenses, taxes, commissions, or transaction costs.
Idealized execution: Assumes consistent application of the strategy without behavioral, timing, or implementation errors.
Period sensitivity: Results are specific to the selected time period; different time periods may produce materially different outcomes.
Survivorship considerations: Strategies and data reflect instruments available during the analyzed period.
Appropriate Uses
Educational illustration of historical market behavior
Comparative analysis of different portfolio constructions and rules-based strategies
Understanding concepts such as volatility, drawdowns, and risk-adjusted returns
Informational reference for discussion with a qualified financial professional
Inappropriate Uses
Making investment decisions without professional guidance
Expecting future results to resemble historical outcomes
Treating hypothetical results as actual performance
Relying on this tool as a substitute for individualized financial advice
Legal Disclosure
This tool is provided for educational and informational purposes only and does not constitute investment advice, a recommendation, or an offer to buy or sell any security. Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal. Market conditions change, and future outcomes may differ materially from historical scenarios.
📊
Get Your Detailed Analysis
Enter your email to receive a comprehensive PDF report of this comparison
📅
Schedule Your Free Consultation
Talk to a WavRyder specialist about optimizing your portfolio
What to Expect:
✓ 15-minute complimentary consultation
✓ Personalized portfolio review
✓ WavRyder methodology explanation
✓ Answer all your questions
✓ No obligation or pressure
An educational tool that illustrates how selected, rules-based portfolio models would have performed historically using hypothetical, backtested data.
Select Portfolio Combinations
⚡
See WavRyder in Action - Try These Scenarios
Click any button below to instantly compare portfolios and see the difference WavRyder makes
Compare a Target Date Fund allocation against a moderate WavRyder-adjusted portfolio (80% Nasdaq ETF/20% S&P500 ETF - both WavRyder Adjusted) to see potential differences in long-term growth and risk.
A conservative 40%/60% stock/bond mix compared to a WavRyder conservative allocation (50% Nasdaq ETF/50% S&P500 ETF - both WavRyder Adjusted). Ideal for investors prioritizing capital preservation with modest growth.
Balanced 60%/40% stock/bond portfolio versus an aggressive WavRyder approach (80% Nasdaq ETF/20% S&P500 ETF - both WavRyder Adjusted). Shows how different risk profiles might have performed historically.
Aggressive 80%/20% stock/bond allocation compared to WavRyder aggressive strategies with leveraged components (80% Aggressive WR Adj / 20% Leveraged Nasdaq). For investors comfortable with higher volatility for growth potential.
Or build your own custom comparison below ↓
📖How to Use This Tool
▼
📊 Quick Start Guide
STEP 1: Current Portfolio (What you have today)
Quick Templates: Select a preset allocation (Conservative, Moderate, Balanced, etc.)
Custom Build: Use rows A-D to select models and allocation percentages
$100k Investment GrowthShows how a hypothetical $100,000 investment would have grown over the specified period, assuming reinvestment of all returns.
Modeled:
$0
Current:
$0
Difference:
$0
Max Annual DrawdownThe largest peak-to-trough decline experienced by the portfolio during any calendar year. Lower is better, indicating more downside protection.
Modeled:
0%
Current:
0%
Difference:
0%
📋 Hypothetical Scenario Methodology (2005-2025)
Hypothetical back-test CAGRs and growth from daily model (Jan 2006 - Dec 2025)
Multi-model portfolios assume annual rebalancing to target allocations
Max annual drawdown based on year-end values
Transaction costs, taxes, and slippage not included
This is a hypothetical historical scenario - past performance ≠ future results
Compound Annual Growth“If my money grew at a steady pace every year, what would that yearly growth rate be?”
Current Allocation
Modeled Allocation
Return Type
Period
Option 1
Option 2
Difference
💡
Historical Interpretation
Historically, portfolios with more stocks went up more but also fell harder, while conservative portfolios were steadier. WavRyder-adjusted portfolios used a defense-first approach that, in past periods, helped limit the biggest annual drops.
Sharpe, Sortino, Alpha & Beta use 3% risk-free rate. S&P 500 benchmark. Calculated from annual returns.
Ratio Definitions:
Beta: Volatility vs S&P 500; <1.0 = less volatile, >1.0 = more volatile. Expected Return: Return predicted by CAPM given the portfolio's risk level (Beta). Alpha: Excess return vs risk-adjusted benchmark; positive means outperformance. Sharpe: Risk-adjusted return using total volatility; higher is better. Sortino: Like Sharpe but only penalizes downside volatility; higher is better. Treynor: Return per unit of market risk (Beta); higher is better. Volatility: Standard deviation of returns; lower means more stable. Win Rate: Percentage of positive years; higher means more consistent gains.
⚠️ Risk Metrics Disclaimer:
All risk metrics are calculated from historical data (2005-2025) and may not reflect future performance.
Actual risk and returns will vary based on market conditions, fees, taxes, and individual circumstances.
These metrics are for educational comparison purposes only.
📌 Footnotes
📋 COMPREHENSIVE DISCLOSURE
Hypothetical and Backtested Results: The performance data presented is based on hypothetical, backtested historical analysis and does not represent actual trading results. Backtested performance is developed with the benefit of hindsight and has inherent limitations. No representation is being made that any account will or is likely to achieve profits or losses similar to those shown.
Investment Risk: All investments involve risk, including the potential loss of principal. Different investment strategies and asset classes involve varying levels of risk. There can be no assurance that any strategy or portfolio model will be profitable or appropriate for any particular individual.
No Guarantee of Results: Past performance is not indicative of future results. Market conditions change over time, and historical returns may not be repeated. Actual results will vary based on market conditions, timing, fees, taxes, and other factors.
Fees and Expenses: The results shown do not reflect the impact of management fees, advisory fees, trading costs, or other expenses that would reduce returns. Fees and expenses have a compounding effect and can significantly reduce investment returns over time.
Tax Considerations: Results do not reflect the impact of taxes. Tax consequences can materially affect investment outcomes and vary based on individual circumstances and account type.
No Investment Advice: This tool is provided solely for educational and informational purposes and should not be construed as investment advice or a recommendation. Users should consider consulting a qualified financial advisor or other professional before making investment decisions. WavRyder and its affiliates are not responsible for investment decisions made based on information presented by this tool.
