Where to Start
The same tools serve quite different questions depending on who’s asking. An advisor needs something defensible in front of a client; someone eight years from early retirement needs to know whether their number survives a bad decade. Pick the closest fit and start there.
Self-Directed Investors
You manage your own money and want the analysis an advisor would run before recommending an allocation: optimization across 57 asset classes, Monte Carlo retirement projection, and honest drawdown numbers.
FIRE Planners
Whether the number actually works. Safe withdrawal rate against a survival heatmap, Monte Carlo across 1,000 paths with fat-tail adjustment, and what happens to a 4% rule built on forward-looking rather than historical returns.
Financial Advisors & RIAs
Institutional-grade portfolio construction without the institutional license fee. Five optimization methods, assumptions averaged from J.P. Morgan, BlackRock, Research Affiliates and AQR, and a client-ready PDF report you can put in front of someone.
Finance Students & CFA Candidates
The curriculum, made interactive. Mean-variance optimization, Black-Litterman, Hierarchical Risk Parity and Risk Parity running on real data, so you can see what the maths does rather than only prove it.
South African Retirement Fund Members
Your fund has to obey Regulation 28, so your portfolio does too. The limits applied as rules a solver holds rather than a checklist you tick afterwards, in rand, with the gazette and the exchange control circular cited for every one.