Get Your Golden Visa & Keep Your Wealth Growing
See how your portfolio performs through market crashes—and why you don't need to sell a single share to fund residency. No liquidation. No taxes. No monthly payments.
Quick Start Portfolios
All portfolios have Sharpe ratio > 0.60 — Exceptional balance of returns vs volatility
Asset Allocation
Backtest Settings
Portfolio Growth
Performance Metrics
Risk Analysis
With this allocation, your portfolio dropped 16.1% from peak to trough at its worst point. A $100K investment would have fallen to $84K.
Historical Crash Performance
How this portfolio would have performed during major market downturns
Dot-Com Crash
Tech bubble collapse
Peak-to-trough during crisis
2008 Financial Crisis
Global banking crisis
Peak-to-trough during crisis
COVID-19 Crash
Pandemic market shock
Peak-to-trough during crisis
2022 Bear Market
Inflation & rate hikes
Peak-to-trough during crisis
Crash resilience matters for global mobility planning. The 2008 crisis took a balanced 60/40 portfolio 3 years to recover. Our 5-Year Zero-Draw Protocol recommends maintaining 5 years of expenses in stable assets to avoid forced selling during downturns.
Year-by-Year Returns
| Year | Return | Portfolio Value | Drawdown |
|---|---|---|---|
| 2016 | +8.24% | $108K | — |
| 2017 | +14.51% | $124K | — |
| 2018 | -2.62% | $121K | -2.6% |
| 2019 | +22.38% | $148K | — |
| 2020 | +14.04% | $168K | — |
| 2021 | +16.61% | $196K | — |
| 2022 | -16.07% | $165K | -16.1% |
| 2023 | +17.99% | $195K | -1.0% |
| 2024 | +15.51% | $225K | — |
| 2025 | +0.12% | $225K | — |
Have Your Cake and Eat It Too
Most people think they need to choose: sell investments to fund a golden visa, or keep their portfolio growing. With Lombard financing, you get both. Borrow against your portfolio at 50% LTV—no liquidation, no capital gains taxes, no monthly payments. Your wealth keeps compounding while you secure residency.
Frequently Asked Questions
What is portfolio backtesting?
Portfolio backtesting analyzes how a specific asset allocation would have performed historically. By testing different mixes of stocks, bonds, and alternatives against decades of market data, you can understand potential risks and returns before investing.
How accurate is historical backtesting?
While past performance doesn't guarantee future results, backtesting with 40+ years of data (1985-2024) captures multiple market cycles—including the 1987 crash, dot-com bubble, 2008 financial crisis, and COVID crash. This provides valuable insights into how portfolios behave under stress.
What is a good Sharpe ratio?
A Sharpe ratio above 1.0 is generally good, above 2.0 is very good, and above 3.0 is excellent. It measures risk-adjusted returns—higher values indicate better return per unit of volatility. Most balanced portfolios achieve Sharpe ratios between 0.5 and 1.0.
How does this help with golden visa planning?
This tool shows you don't need to choose between funding a golden visa and keeping your portfolio growing. By stress-testing your allocation, you can see that with Lombard financing, you borrow against your portfolio (no liquidation, no taxes, no monthly payments) while your investments keep compounding. You get the visa AND the wealth growth.