Wealth

Wealth Management

The Wealth suite provides high-level strategic planning and portfolio construction tools, distinct from the day-to-day management of The Ledger.

Master Wealth Terminal

Your command center for net worth visualization.

  • Global Net Worth: Aggregates data from The Ledger and connected Portfolios.
  • Asset Allocation: Visual breakdown of your wealth across asset classes (Equity, Real Estate, Cash, Gold).

Portfolios

Create and manage distinct investment baskets.

  • Model Portfolios: Build target allocations (e.g., "Aggressive Growth", "Halal Income").
  • Performance Tracking: Monitor TWR (Time-Weighted Return) and CAGR.
  • Scenarios: Run "What-If" simulations on your portfolios to test stress resilience (e.g., "What if the market drops 20%?").

Strategic Planning (FIRE)

Tools for Financial Independence, Retire Early (FIRE) planning.

  • Goal Setting: Define your "Freedom Number".
  • Projection: Visualize your wealth trajectory based on savings rate and expected returns.
  • Milestones: Track progress towards specific life events (Hajj, House Purchase, Marriage).

Scenario Labs

A powerful simulation engine to stress-test your wealth.

  • Market Crash: Simulate a 2008-style financial crisis (-40% equity drop).
  • Inflation Spike: Test if your portfolio survives 15% annual inflation.
  • Currency Devaluation: Model the impact of PKR devaluation against USD/Gold.
Research