Stress-test your household and portfolio for inflation, job-market, policy, and market-structure shocks without relying on forecasts.
Months of essential expenses you can cover without selling risk assets.
Count salary, recurring freelance income, pension, or other dependable streams.
Decision rules already in place
The planner scores preparedness for household, policy, and market stress. It does not predict which scenario will happen next.
This planner helps individual investors test whether their household finances and portfolio structure can absorb a period of weaker labor markets, sticky inflation, policy change, or prolonged equity weakness.
Scores are built from explicit thresholds for liquidity, concentration, debt burden, and decision rules. Higher scores mean more flexibility and fewer conditions that can force reactive decisions under stress.
Resilience planning is about survivability, not precision. Investors rarely fail because they missed the exact macro call; they fail because their balance sheet or process could not tolerate being early, wrong, or emotionally pressured.