El Fondo

Portfolio simulator · Free, no signup

See what your money could become

Forecast your investments

Add investments and this chart comes alive, a probable range built from decades of market history, not promises.

How it works

Set your planStarting amount, monthly contribution, your age and horizon.
See a probable rangeBuilt from decades of market history: a range, not a promise.

Historical simulation for education, not investment advice.

Simulator guide

Three quick ideas to go from a blank portfolio to a simulation that actually means something.

Free, no signup

How to build an investment portfolio with stocks and ETFs

A diversified portfolio combines stocks and ETFs (each ETF is a basket of many companies or bonds) to spread risk. In the simulator you pick your assets (individual stocks, ETFs, US indices, global markets, bonds), decide how much money goes into each one and how many years to project. No account, no signup.

How much to allocate to each index

There is no single answer: it depends on your time horizon and risk tolerance. As an educational reference, a cautious profile leans to bonds, a balanced one splits between stocks and bonds, and a growth profile tilts to equities. Start from a preset (Cautious, Balanced, Growth) and adjust. The longer your horizon, the more volatility you can tolerate.

How to read the growth simulation

The simulator shows how your money could have grown based on the historical performance of the chosen indices and your contributions. It is a data-based reference, not a promise: past performance does not guarantee future results. Use it to compare scenarios and understand the effect of diversification and of your broker's fees.

Frequently asked questions

Is the simulator free?

Yes, it is free, needs no signup, and never executes trades.

How much money can I simulate?

Whatever you like: set an amount per asset and the simulator projects the total over the years you choose.

What is an ETF?

A basket of many companies or bonds in a single investment, which spreads risk.

How much should I hold in bonds vs. stocks?

It depends on your profile and horizon; bonds add stability, stocks add growth with more volatility. Educational, not advice.

Are the results real returns?

No: a simulation based on historical index data; past performance does not guarantee future results.

Can I add individual stocks, not just ETFs?

Yes: alongside ETFs and indices you can add individual stocks (and crypto) and simulate the full mix.

Can I compare two portfolios?

Yes, "Pin to compare" contrasts one portfolio against another.