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What happens to your $1M portfolio in a 2008-style crash? A 1970s stagflation? Know before it happens — and build resilience.
In 2008, a 100% stock portfolio dropped 50% in 16 months. A $1M portfolio became $500K. Stress testing reveals your actual risk before a crisis forces you to sell low.
-50%
2008 Crash (Stocks)
Peak to trough
5.5 yrs
Recovery Time
To break even (S&P 500)
-25%
60/40 Portfolio in 2008
Half the damage
Balanced Portfolio for Mid-Life
Portfolio Performance in Past Crises
| Feature | 100% Stocks | 60/40 Portfolio |
|---|---|---|
| 2008 Financial Crisis | -50% | -25% |
| 2000 Dot-Com Burst | -45% (over 2.5 yrs) | -15% |
| 1973 Oil Crisis | -43% | -20% |
| 2020 COVID Crash | -34% (recovered in 5 mo) | -18% |
| 2022 Rate Hikes | -25% | -18% (bonds also fell!) |
2022 Changed the Game
List Current Allocation
Exact % in stocks, bonds, real estate, cash, alternatives. Across ALL accounts.
Apply Historical Scenarios
What would -40% stocks + -10% bonds do to your total? Calculate the dollar loss.
Check: Can You Still Retire?
If your $1.5M becomes $900K — does your plan still work? Run the numbers.
Test Your Emotions
Would you panic sell at -30%? -40%? -50%? If yes, you're too aggressive.
Adjust Before the Crash
De-risk NOW if you can't stomach a 30%+ drop. Don't wait for the crash.
Free Stress Test Tools
Key Takeaways