Tools – Kar Yung Tom

Change the inputs. See what happens.

Calculators and interactive lessons I built to test investing ideas, from portfolio comparisons to retirement spending.

Explore / Compare

Put ideas to the test

Explore portfolios and compare ETFs side by side.

See how different portfolios performed in the past.

Compare ETFs side by side.

Plan / Calculate

Map a savings target or explore retirement withdrawals.

Work out how much to save to reach a target.

Explore how much you could spend from your portfolio.

Explore withdrawals over a set number of years.

Play / Learn

Small experiments that make return paths and trade-offs easier to see.

Try a game where the odds favour you and see how often you still lose.

See what happens when the same returns arrive in a different order.

Follow shares sold, dividends reinvested, and account value over time.