NLE - The Bird System · Client Consultancy

HNI Portfolio Scenario Simulator

Author a 25-year market path, choose an allocation mix, and see how a blended portfolio behaves versus the raw index — through good years, bad years, and everything in between.

Beat index in — of years

Portfolio

Initial value

₹

Years

Risk profile

Allocation mix

Liquid

Multi-Asset / BAF

Large Cap

Flexi / Multi Cap

Small / Mid Cap

Total 100%

Normal year

Bad year

Good year

Flat year

Realistic matches the last 25 years of Nifty. Mild is a client-friendly conversation. Stress is GFC-tier + euphoria.

Liquid (all years)

Multi-Asset / BAF

Large Cap

Flexi / Multi Cap

Small / Mid Cap

Return each category earns in a Normal year. Bad / Good / Flat years use the multipliers in the next tab.

Bad-year factor (× index fall)

Multi / BAF

Large

Flexi

Small / Mid

Good-year factor (× index rise)

Multi / BAF

Large

Flexi

Small / Mid

Flat-year factor (× index rise)

Multi / BAF

Large

Flexi

Small / Mid

Bad year: category fall = index fall × factor. Good/Flat: category gain = index gain × factor. Multi-Asset outperforms in flat years, small caps outperform in good years, hybrids protect in bad years.

Final portfolio value · Year 25

₹0

Portfolio CAGR: 0%

Index-only

₹0

Vs Index

+₹0

Worst · Best year

— · —

Your 25-year market path

Pick a template — or paint your own by dragging across the years.

Brush

Normal

Bad

Good

Flat

Click a year to paint it, or hold & drag across years.

Year-by-year breakdown

End-of-year values per category, with portfolio return vs index return.

Yr	Scen	Liquid	Multi/BAF	Large	Flexi	Small/Mid	Portfolio	Return	Idx Ret	Winner

How this is modelled

You author the market — every year is labelled Normal, Bad, Good or Flat. Templates give you common shapes; the brush lets you paint your own.
Each category has its own behaviour rules. In a Bad year, Multi-Asset falls only ~30% of the index; Small/Mid falls ~140%. In a Good year, Small/Mid captures 140% of index gains. In a Flat year, active hybrid managers outperform (Multi-Asset earns 1.6× the flat index return).
Normal years use category-specific expected returns — no index-factor math. Small/Mid earns 18%, Flexi 14%, Large 12%, Multi 10%, Liquid 7%.
All assumptions are editable in the Advanced panel. The default Mild preset (Bad −10 / Good +15) is a client-friendly conversation starter; switch to Realistic (−20 / +25) to mirror the last 25 years of Nifty, or Stress (−35 / +40) for a GFC-tier test.