Automated vs. Tinkered Portfolio Simulator

Quantifying the checking tax, emotional panic lag, and behavioral alpha over 15–20 year cycles

Automated Wealth (Autopilot)
$298,420
+8.2% Realized CAGR
Tinkered Wealth (Active Checking)
$239,180
-$59,240 Total Friction Drag
Checking Attention Tax
412 hrs
Valued at $14,420 @ $35/hr
Net Behavioral Alpha
+24.8%
Pure gain from zero emotional interference
Twin Portfolio Growth Trajectory
Hover / Scrub chart to inspect point-in-time friction
Automated Set-and-Forget
Tinkered & Checked Daily
Net Contributions
Behavioral Friction Breakdown
Friction Source Mechanism Dollar Loss
Cash Drag Penalty Idle uninvested timing cash -$14,210
Panic Sell & Re-entry Lag Selling near trough, buying highs -$28,450
Transaction Friction & Spreads Manual rebalancing churn -$2,850
Total Financial Loss Compound difference -$45,510
Attention & Psychological Audit
Psychological Metric Automated Active Checking
Daily App Opens 0 / day 3.2 / day
Lifetime Attention Expended 0 Hours 412 Hours
Emotional Panic Events 0 (Ignored) 4 Panics
Sleep Quality Index Optimal (High) Compromised
10 Tested Set-and-Forget Blueprints

Click any archetype to automatically apply their exact allocation ruleset and zero-checking discipline.

Blueprint #1
The 3-Fund Autopilot
60% US Total Stock, 20% International, 20% Total Bond. Rebalanced annually on birthday via auto-sweep.
80% Eq / 0% Cash Drag
Blueprint #2
The Payday Direct-Split
100% S&P 500 ETF routed from payroll on day 1. Never lands in checking account to prevent spending.
100% Eq / Bi-Weekly
Blueprint #3
The Target-Date Fortress
Single 2060 Index Target Date Fund. Glidepath shifts automatically; zero human inputs required.
Dynamic / Zero Maintenance
Blueprint #4
The Deleted Brokerage App
Password randomized and stored in a physical safe. Automatic monthly ACH with annual paper statements only.
90% Eq / Zero Notification
Blueprint #5
The 80/20 Core & Explore
80% Total World Index automated, 20% Short-term Treasuries. Inflow rebalances deficit automatically.
80% Eq / 20% Bonds
Blueprint #6
The Daily Micro-DCA
$25 every single trading day automatically transferred. Eliminates all monthly timing decisions.
100% Eq / Daily Cadence
Blueprint #7
The All-Weather Automation
30% Stocks, 40% Long Treasuries, 15% Intermediates, 7.5% Gold, 7.5% Commodities. Smooth, low-volatility trajectory.
55% Eq+Alt / Low Drawdown
Blueprint #8
The Coffee-Can Indexer
Buys equal-weight mega-cap index basket monthly with dividend reinvestment strictly enabled and alerts disabled.
100% Eq / Reinvest Dividends
Blueprint #9
The Dual-Tax Bucket Lockbox
Maxes Roth IRA via January 1st lump-sum auto-transfer, remainder into Taxable Broad Market monthly.
Tax-Shielded / Programmed
Blueprint #10
The Stoic Sleep-Well Fund
70% Total World, 30% Inflation-Protected Securities. Strict rule: never open broker when news mentions 'crash'.
70% Eq / Anti-Fragile
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