Shock & panic modelling
Applies a crash of your choosing — depth, length and speed — then layers behavioural panic on top: forced selling, missed exits and the cost of moving at the worst moment.
Our Models
V.U.1
V.U.1 is the simulation model that powers this platform. Every shock you run, every recovery timeline you read and every projection you save is computed by it — free, unlimited, and with the arithmetic exposed.
Model
V.U.1
Family
Market Shock & Panic Simulation
Release
Version 1
Built by
Kayline LeM
History covered
1928 — 2024
Live data
Real-time prices and fund history
Outputs
Terminal value, CAGR, IRR, drawdown, recovery months
Availability
Free and unlimited, guests included
What V.U.1 computes
Six engines, one timeline, no black box.
Recovery timelines
Tracks how many months and years a portfolio needs to regain its pre-shock value, so the real question — how long am I underwater — gets answered, not glossed over.
Monte Carlo ranges
Runs the same plan thousands of times with varied market paths, then reports the spread of outcomes instead of a single flattering number.
Cash flow & life events
Contributions, withdrawals, job loss, a house purchase or a market buy-the-dip are all modelled against the same timeline as the crash itself.
Allocation & rebalancing
Tests mix changes, dividend reinvestment and rebalancing rules so you can see precisely what one decision is worth over the full run.
Inflation & tax adjustment
Converts nominal results into purchasing power and applies capital gains, income and retirement-account treatment so results are stated after the money actually leaves.
How a run works
01
You set the assumptions
Starting amount, contributions, mix, horizon and the shock you want to survive. Nothing is hidden from you.
02
V.U.1 builds the timeline
The model lays out every month, applies the crash, the recovery path and any life events against your allocation.
03
It stress-tests behaviour
Panic modes and recovery odds are scored in the 2008 and 1970s stagflation contexts, not just in a calm market.
04
It shows the math
Terminal value, CAGR, IRR, worst drawdown, recovery months and the step-by-step arithmetic behind each figure.
What V.U.1 does not do
It does not predict markets, and it will never tell you what to buy. It answers a narrower, more useful question: given these assumptions and this shock, what happens to the money — and what does it cost to react emotionally?