Serenity’s Return Simulator

Providing an estimate of expected returns is an essential part of a wealth manager’s job. Since no one can really predict the future, and the same applies for the markets, one usually looks back at historical returns to give an estimate. While history may not repeat itself, it does serve as a useful indicator of the likely outcomes.

This is the backdrop to Serenity Wealth’s Return Simulator which allows you to travel back in time; across 3 geographies - India, USA, & Japan.

How to use the Simulator:

  1. Select a geography / financial market.
  2. Enter a start date. Please see the assumptions section below.
  3. Enter the time period in years.
  4. Enter the investment amount in INR.
  5. You can move the cursor to select your asset allocation, the proportion between equity & debt. This feature is available only for Indian markets. For USA & Japan, you will need to go with 100% Equity allocation. Please also see the assumptions section below.
  6. You can choose to apply the principle of re-balancing#, which ensures the portfolio gets re-set to the original asset allocation, either on a periodic basis or on the basis of pre-defined rules. Here, for sake of simplicity, we have applied re-balancing on a yearly basis. Please note that this feature is available only for Indian markets.
#Serenity Wealth strongly recommends following an asset allocation led approach to investing coupled with a rule-based re-balancing.


Debt: %

Equity: %

Our proprietary Risk Assessment Tool, a cloud-hosted, questionnaire-based, & algorithm-driven software helps you to arrive at your asset allocation and also set the necessary investment rules. You can access it here:    RA Tool

And if you wish to reach out to us, to understand our investment philosophy & approach, please feel free to get in touch.

Country Equity index / scheme considered Debt index / scheme considered Start Date
India NIFTY 50 - TRI Aditya Birla Corporate Bond fund – Regular Growth Plan 03-01-2000 (DD-MM-YYYY)
U.S.A S&P 500 N.A. 02-01-1970 (DD-MM-YYYY)
Japan NIkkei 225 N.A. 02-01-1950 (DD-MM-YYYY)

PS : Returns are pre-tax

Mandatory Disclaimer & Standard Warnings:

Investment in securities market is subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.