The Financializer

Planning

Stocks vs bonds

Mix example stocks and bonds, then watch one cartoon 20-year path. The bumps are seeded random shocks, not history and not a forecast.

60% stocks
Left = more example bonds. Right = more example stocks. 40% bonds

Starting pile: $10,000 (example). Equity drift / vol: 7% / 16%. Bond drift / vol: 3% / 4%. Same seed every time so the mix is the only thing that changes.

One cartoon path

Your mix ends at $0.00. All-bonds path ends at $0.00.

Gold line = your mix. Teal line = all example bonds. Top of chart ≈ $0.00.

Takeaway: More stocks usually means a bumpier ride and a different ending — in this cartoon. Real markets do not owe you the picture.

This is educational, not advice. Example rates and taxes are illustrations. Real accounts, markets, and tax rules can look different — sometimes a lot. No number on this page is a recommendation.

All planning toys Next: interest vs dividends