Pure Benchmarks · Hypotheticals

Hypothetical Investment Portfolio Simulator Built on Real Peer Data

Pure Benchmarks Hypotheticals shows the exact dollar impact of every major portfolio decision using your real portfolio history and compares that outcome to thousands of verified real investors in the same risk category who faced the same market conditions at the same time. DALBAR confirmed retail investors underperformed the market by 848 basis points in 2024 through behavioral decisions made without objective comparative context. Hypotheticals provides that context for the first time — not against a theoretical index but against real people who lived through the same market you did with the same risk profile you have.

What decisions Hypotheticals can model

Hypotheticals can model selling during a downturn, switching advisors, moving to index funds, and changing contributions — each measured against your real portfolio history.

How it uses real peer data, not theoretical indexes

Every outcome is compared to thousands of verified investors in the same risk category who faced the same market at the same time, rather than to a synthetic benchmark.

What questions it answers

It answers what a different decision would have been worth in your specific situation, and how that outcome compares to real peers who made the other choice.

What investors discover

Investors see the real dollar impact of their biggest decisions in context — the number their brokerage statement never showed them.

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Frequently asked questions

What is a hypothetical portfolio simulator?

It models what your portfolio would be worth under a different decision, using your real history and comparing the outcome to real verified peers in your risk category.

Does it use my real portfolio?

Yes. Hypotheticals runs on your connected portfolio history through a read-only secure connection.

How is this different from a generic what-if calculator?

Generic calculators compare to a theoretical index. Hypotheticals compares to thousands of real investors who faced the same market with the same risk profile.

Is there a tool to model portfolio changes before making them?

Hypotheticals models the change against real historical prices before you act, holding your current portfolio and the modeled version side by side over the same window with the full composition of each.

Keep exploring

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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.