Pure Benchmarks · Hypotheticals
The Cost of Panic Selling Calculator Built on Real Peer Data
DALBAR confirmed retail investors underperformed the market by 848 basis points in 2024 — the fourth largest gap in DALBAR's 40-year tracking history — driven almost entirely by behavioral selling at the wrong moment. JP Morgan Asset Management data shows missing just 10 of the best trading days over 20 years cuts a $10,000 investment by more than half. Pure Benchmarks Hypotheticals calculates the precise dollar cost of every sell decision in your real connected portfolio and benchmarks that cost against real verified investors in the same risk category who held through the same market conditions.
The documented cost of panic selling
DALBAR measured an 848 basis point gap in 2024 — its fourth largest in 40 years — driven by selling at the wrong moment, while JP Morgan Asset Management data shows missing just 10 of the best trading days over 20 years more than halves a $10,000 investment.
How Hypotheticals calculates your personal panic-selling cost
Hypotheticals reads your real connected portfolio and calculates the exact dollar cost of each sell decision you made, rather than applying an average.
How it compares your outcome to real peers who held
Your figure is placed against thousands of verified investors in the same risk category who held through the same market, so the comparison is real people, not a benchmark.
What investors discover when they see their actual number
Seeing the real dollar figure in context replaces a vague fear of "getting it wrong" with an objective measurement.
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See Your Free Benchmark ReportFrequently asked questions
How much did panic selling cost me?
Hypotheticals calculates the precise dollar cost for your real portfolio and benchmarks it against verified peers who held through the same market.
What is the cost of market timing?
JP Morgan Asset Management data shows missing just 10 of the best days over 20 years more than halves returns; your personal figure depends on your actual decisions.
How do I see my number?
Create a Pure Benchmarks account and link a portfolio through a read-only secure connection to run the calculation on your real history.
Keep exploring
- The Hypothetical Portfolio Simulator Built on Real Peer Data
- What If You Had Not Sold During the Market Crash?
- What If You Had Switched Financial Advisors?
- What If You Had Invested in Index Funds Instead?
See where a specific firm's portfolios stand:
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This page is an information baseline for comparison only. It is not investment advice and not a recommendation to buy, sell, replace, or transfer any specific asset, account, or firm. Past performance does not guarantee future results. All figures shown are illustrative.