Portfolio analyzer

• Uses the tickers and weights you enter only; no amounts are sent. Prices are Coteau's daily closes (15-min delayed source), which cover roughly the last two years.
• The backtest is hypothetical: rebalanced to your weights at the close of each month's first trading day, price returns only (dividends, costs, taxes and slippage ignored).
• Sector and market-cap data are current snapshots, not point-in-time. The S&P 500 sector mix is cap-weighted from current market caps of today's members.
• Dividend yield is the trailing yield reported by the data source where available. Sharpe uses a 4.2% risk-free rate (2025 average 3-month T-bill, Damodaran).
• Past performance does not predict future results. Survivorship: today's tickers didn't all exist or look the same in the past.
• Observations describe the mix; they aren't judgments about whether it's good, bad, risky or suitable for you.
• Every number is hypothetical and depends entirely on what you enter. Small changes in assumptions can change results a lot.
• Returns are smooth and constant in the single-number projection; real returns vary every year, and real markets can do better or worse than anything shown.
• Inflation is a single constant rate you choose (except in historical replays, which use the actual CPI of each year).
• Growth compounds monthly (or at the contribution frequency) and contributions are made at the end of each period.
• No taxes unless you turn on the simplified tax drag (all positive growth taxed each year at your rate, which overstates tax for buy-and-hold). No fees unless you set one.
• Inputs stay in your browser. Saving uses this device's local storage; a share link contains the numbers you entered, so anyone with the link can see them.

Coteau may be wrong. Check every number yourself, and talk to a licensed professional before acting on anything.