I've worked as a quant trader for 3 years, and I still had no idea how to allocate my own savings. Sounds ridiculous, but market making at work is very different from figuring out "should I put my retirement money in VTI or gold."

So I built the tool I needed. fin2cents has a portfolio sandbox that runs Monte Carlo simulations using historical return/vol profile, updated daily.

Most tools show you "7% expected return" and call it a day. But I wanted to know: what's my realistic downside?

Monte Carlo shows the range of outcomes, not just the average — specifically the 25th–75th percentile, so risk is visible before you commit real money.