Industry First

The First Portfolio Optimizer That Models Fixed Insurance as an Asset Class

Every other optimizer treats the universe as stocks, bonds, and alternatives. This one correctly models the floor-and-cap return profile of a Fixed Indexed Annuity — and plots it exactly where it belongs on the efficient frontier.

Give It a Whirl ↓
Portfolio Optimizer
Efficient Frontier & Portfolio Optimizer
Asset Classes
Cap 8.25%
Start Year
2003
End Year
2025
Risk-Free Rate
4.00%
Simulations
10,000
⊕ Your Portfolio
Set any allocation — your star plots live on the frontier · weights auto-normalize to 100%
Total Allocated —
Efficient Frontier — Monte Carlo Portfolio Simulation
Click any dot to inspect · star = Your Portfolio
↑ Click any dot to inspect that portfolio
JPMorgan LTCMA 2026 Expected vs Historical Actual
Annual Returns by Asset Total return · dividends reinvested
SPY: Vanguard 500 Index (VFINX) total return 2000–2025 · QQQ: Yahoo Finance adjusted close 2000–2025 · IYR: Yahoo Finance adjusted close 2001–2025
IEF: Yahoo Finance adjusted close 2003–2025 · EFA: Yahoo Finance adjusted close 2002–2025
FIA: Fixed Indexed Annuity modeled as max(0%, min(cap%, SPY annual total return)) — floor 0%, cap adjustable 4%–10% · illustrative only
Advisor Kingdom™ · a 360NetWorth, Inc. company · Cedar Park, TX · For educational and planning purposes only