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ZeroOne Systems
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The $1M Club
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2d •
Passive Income Investing Tool
If anyone is interested in a PII planning tool, I created one, and I have a signup form here: https://piidesk.com I built the tool for myself and family, to help me to make decisions on what and how I want to invest. The purpose is to help me see how I've done in the past, plus let me see how its projected to do in the future. I have the tool to a place where I'm pretty happy with it for my use case, and so I thought I'd deploy it, and share it with a small audience just see if other people would find it useful. If interested I'm looking for people to test it out and see what you think, and if you'd have any ideas you'd like to see implemented. This was tuned for me, so its only WealthSimple, and only Google user accounts, etc. If people like it and find it useful, I may add more features and support more systems. The first 10 users will get free access for life, it this ends up turning into anything. Currently you can upload your holdings and your activity from WealthSimple (since that's what I use), so you can see how you've done against the market. Currently it's a manual upload, you have to download a couple CSVs from WealthSimple. But I want to support more brokerages, and eventually automate the integration. Another feature it has is a share tool, so you can share a simple read-only version of one or all of your accounts. For example you can take a look at one of my accounts here: https://piidesk.com/shared/0e53c80a-eb9d-4eaf-a3a5-07ae2ef1fcf9 I also have is a backtested algorithm that tells you how the market is trending so you know when is a good time to buy, verses hold, or sell. I got freaked out buy the large crash that happened earlier this year, littereally the day after I sold my house and went all in on stock market. That freaked me out a lot, and I just wanted an algorithm to help give me a heads up on what's going on.
0 likes • 17h
I added ±1σ (16th–84th percentile) projection to the app last night so you can see with a 1 sigma probability how your investments will grow over time. - Quantile paths: each month the lo/hi lines grow by exp(drift ± 1·σ·(√(m/12) − √((m−1)/12))), so the cumulative deviation after t years is exactly ± 1·σ·√t; the band widens with √t like real return uncertainty. - Variance drag in the drift: Monthly drift is ln(1 + 7%/12) − σ²/24, which keeps the mean of the implied lognormal distribution exactly on 7% expected line (the median sits slightly below it, as it should). σ→0 collapses the cone exactly onto the expected line. - Contributions/DRIP: a contribution landing in month m rides the remaining √t widening from there (the standard planner approximation, the exact quantile with contributions has no closed form). You can tweak this in in the settings. - Monthly drift is ln(1 + 7%/12) − σ²/24 - Projection Volatility is 15% annual; Historical volatility is between 15-18% for the S&P. Maybe I'll make this configurable in the settings, but a person really should go with the historical average.
0 likes • 7h
Thanks, yeah that's just my TFSA, I do have around 10,000 total HDIV shares... wondering if I'm too concentrated in it as it's almost 20% of my holdings. And then I have a lot of CLSA, and both of these are Canadian bank heavy. I know that Carney will never let the banks ever decline for a second, but still, feels like that run up might be ending.
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Active 7h ago
Joined Apr 30, 2026