u/datalitk

I added my holdings to the app and had a team of AI agents run a stress test on my portfolio. Here's the full response:

Portfolio Stress Test

1. Market Correction (−10% to −15% equities)
   Estimated impact: ~−12% to −16%
   Main drivers: SCHG, VXUS, VOO
   A typical pullback would likely hit the portfolio modestly harder than a broad equity benchmark due to the meaningful US growth tilt, partially offset by international exposure.

2. Recession Scenario (−25% to −30%)
   Estimated impact: ~−30% to −40%
   Main drivers: SCHG, VXUS, VOO
   In a recessionary drawdown, losses could be substantial because the portfolio is 100% equities; both US and international stocks would likely fall together, with growth typically lagging.

3. Interest Rate Shock (sudden rise in rates)
   Estimated impact: ~−16% to −23%
   Main drivers: SCHG, MSFT, VOO
   A fast rate spike would most likely pressure valuations in growth-heavy holdings first, with broader US equities following; international equities may provide only limited diversification in a global rate repricing.

4. Market Crash Scenario (−40% to −50%)
   Estimated impact: ~−48% to −62%
   Main drivers: SCHG, VXUS, VOO
   In a crash, the portfolio could lose around half its value because holdings are highly equity-correlated with no bonds or cash to cushion the decline.

she saw chloé and went “you bring a stuffed animal with you?” and i was like “yeah, but usually only when i go to the movies.” she gave me this weird look and said “you go to the movies with a stuffed animal?” so i told her “well i’m not gonna let her go alone, that’d be irresponsible.”