Explore historical data, test assumptions, and build your own framework—on your terms.
WavRyder.com
Free Book
Riding the Wave Dodging the Storm
25
Investors
2
Day Session
RESOURCE 01
About This Book
Hear how 25 investors just like you attended a two-day WavRyder session geared towards answering the number one question every investor faces: Will I have enough money to fund my retirement? A Red Zone Investing Fable that brings the math to life through real conversations, real fears, and real strategies.
Financial FableRed Zone FocusedFree to Read
Coming Soon — Final Edits in Progress
WavRyder.com
Free Educational Tool
Portfolio Target Sizer
∞
Scenarios
0
Data Stored
RESOURCE 02
About This Tool
How much is enough? Enter your annual expenses, years to retirement, inflation rate, and expense multiplier. The Portfolio Target Sizer shows your inflation-adjusted expenses and the portfolio size you need—based on the 4% rule. Your number, based on your life.
You have the portfolio — but how much annual spending does it actually support? Enter your projected balance, withdrawal rate, inflation, and income sources. The Retirement Spending Calculator backsolves from your portfolio into the annual lifestyle it can sustain — with a 30-year projection table showing exactly how the math plays out year by year.
Backsolves from PortfolioIncome Offsets30-Year ProjectionSafety Balance Floor
What would a market crash actually cost you? Enter your portfolio value, age, retirement year, and select from historical crash scenarios or custom declines. The Red Zone Checkup Calculator shows how long recovery takes at different withdrawal rates.
Most investors hold 8–20 funds across multiple accounts and have no idea what their aggregate split looks like. Enter your holdings and this tool classifies each fund as equity, bond, or international—then shows your true allocation in under two minutes.
Compare common portfolio allocations against WavRyder-adjusted portfolios using historical return data. See hypothetical growth of $100K across different strategies and market environments. Educational—historical data only, for illustrative purposes.
Historical ComparisonGrowth ChartsIllustrative Only
Detailed historical analyses of three portfolio strategies across real market environments. Each case study includes backtested data, drawdown analysis, and recovery timelines. All case studies are illustrative only and include past performance disclaimers.
Backtested DataMultiple StrategiesIllustrative Only
Live interactive sessions and deep-dive technical tutorials on the WavRyder framework. Topics include navigating volatility, portfolio case study reviews, and advanced signal interpretation. Past workshop recordings available in the archive.
Compare a traditional retirement allocation to a tactical alternative — using 20 years of real market data.
All results are hypothetical and backtested. Past performance does not predict future results. Not investment advice.
Before you explore this tool: Everything you're about to see is based on hypothetical, backtested analysis — not real trades in a real account. Backtesting works backward from known outcomes. No one achieved these results, and no one is guaranteed to.
WavRyder.com — The Question
The Strategy That Built Your Wealth May Not Protect It
If you're within ten years of retirement, you've probably noticed something uncomfortable: your "safe" allocation didn't feel very safe during the last two crashes.
WavRyder.com Educational Example
Meet Bill
Bill is a fictional investor, but his situation will feel familiar. He's 60, self-directed, and has done a solid job saving. His 401(k) is in a 2030 Target Date Fund.
But with retirement visible on the horizon, Bill noticed two things. First, his fund's growth had slowed considerably. Second, when the market crashed, his "safe" fund still took a significant hit.
Bill started wondering: Is there a way to stay in the growth lane and still have a plan for getting out of the way when things go sideways?
Bill is here to make the data relatable. He's not a real person, and his "results" are a hypothetical model.
WavRyder.com — The Hypothetical Comparison
Two Philosophies. Twenty Years. Side by Side.
About this data: The WavRyder Market-Strength Indicator was developed using historical data that overlaps with this backtest (in-sample testing). This introduces the risk of overfitting.
Metric
Target Date Fund
WavRyder.com Tactical Model*
Starting Investment
$100,000
$100,000
Ending Value (20yr)
$390K
$833K
Total Growth
+289.6%
+732.6%
Worst Annual Drawdown
-32.91%
-9.03%
20-Year CAGR
7.04%
11.18%
*Hypothetical backtested results. 80% QQQ / 20% SPY with WavRyder signal-driven shifts to cash. Does not reflect commissions, fees, or taxes. Past hypothetical performance does not predict future results.
WavRyder.com — The Insight
The Math of Recovery Changes Everything
A 33% loss requires a 50% gain just to break even. A 9% loss requires only a 10% gain. While the Target Date Fund spent years clawing back after crashes, the tactical model was already compounding new highs. Defense became offense.
Free. No login. Everything runs in your browser. Hypothetical backtested data only.
WavRyder.com — How the Tool Works
Build Your Own Comparison in Three Steps
1
Choose Allocations
Select a "Current" portfolio and a "Modeled" alternative from multiple WavRyder-adjusted options.
2
See 20 Years of Data
Growth, drawdowns, CAGR, and risk metrics using real historical market data from 2005–2025.
3
Explore Scenarios
Load pre-built comparisons or build your own custom blend. Conservative, moderate, or aggressive.
WavRyder.com — Full Disclosures
Please Read Before Using the Tool
Hypothetical and Backtested Results: Everything in this tool is based on hypothetical, backtested analysis — not real trades. Backtesting works backward from known outcomes. No one achieved these results.
In-Sample Testing: The WavRyder indicator was developed using historical data that overlaps with this backtest. This introduces the risk of overfitting.
No Guarantees: Past performance — whether real or hypothetical — does not predict the future. Markets evolve. The backtested numbers do not reflect commissions, fees, taxes, or other real-world costs.
Explore the Data Yourself on WavRyder.com
Free. No login. No data stored. Build your own 20-year comparison using real market history.
Most investors hold 8–20 funds across multiple accounts and have no idea what their aggregate split looks like. This free tool shows you in under two minutes.
You Know What You Own. But Do You Know What It Adds Up To?
Your 401(k) shows one allocation. Your IRA shows another. Your brokerage account has its own mix. But across everything you own, what's your actual split between equities, bonds, and international? Most investors can't answer that question. This tool can — in under two minutes, with no login and no data stored.
WavRyder.com — Three Steps. Two Minutes. Zero Data Collected.
Simplicity Is the Point
1
Enter Your Tickers
Type them one by one or paste your entire list. The tool recognizes 15,000+ funds instantly.
2
See Your Allocation
Each fund is classified into Equities, Bonds, or International. Your overall allocation appears as three clean percentages.
3
Compare (Optional)
Take your three numbers to the Portfolio Analysis Tool and compare to a tactical alternative over 20 years.
Everyone talks about market crashes in percentages. But percentages hide the real damage. What a crash actually costs you depends on three things most investors never calculate together: your portfolio size, your withdrawal rate, and how close you are to retirement.
The Problem No One Shows You
A 30% crash on a $1M portfolio isn't just a $300K loss. If you're withdrawing 4%, your withdrawal rate jumps to 5.7%.
Time Is the Variable
A 35-year-old can wait out a crash. A 62-year-old can't. This calculator factors in your age and withdrawal rate.
4 Historical Crashes
Real crashes: 2022 (-25%), COVID 2020 (-34%), Dot-Com 2000 (-49%), and 2008 (-57%).
4 Acts of Analysis
Your retirement budget. What a crash costs. What if it crashes twice. How you compare historically.
There's a number that matters more than your salary, more than your annual return. It's the number that tells you whether you can actually retire — and maintain the life you've built.
Interactive Inputs
Six numbered inputs — expenses, years, inflation, multiplier, withdrawal rate. Change any variable and results update instantly.
Inflation-Adjusted
The tool compounds your expenses forward so you're planning for future dollars, not today's dollars.
100% Private
Everything runs in your browser. Your financial data is never stored or transmitted.
Advanced Planner
Factor in Social Security, spouse income, expected CAGR, and see your full 30-year projection table.
