Interactive Simulator · Real Market Data · Hypothetical Results

SEE THE SYSTEM RUN.

This simulator executes the actual MicroRebalancing rules — buy below target, trim above target, repeat — against real historical prices for the ticker you choose, or a randomized market you configure. Then it compares the outcome to buy & hold. Change the market. Change the trigger. Watch what the mechanism does. The prices are real; the results are hypothetical; the math is honest.

System Parameters

Data source

Ticker

Actual daily closing prices, July 2021 – July 2026. One check per day at the close.

History window 5 years

Market scenario

Annual return (drift) 8%

Annual volatility 25%

Time horizon 3 years

Checks per day 2

Target Allocation (TA) $5,000

Cash reserve $5,000

Guideline: 1:1 with TA under $10K. The reserve is the engine AND the heart.

Trigger 1%

Deviation from TA that fires a trade.

Profit mode

Growth: trim proceeds refill the reserve, and half the amount raises the TA.

Buy & Hold comparison

Strictest test: B&H invests TA + reserve on day one. MR must overcome its idle cash.

MicroRebalancing
total value

—

Buy & Hold
same capital

—

Profit banked
+ reserve growth

—

MR vs B&H
difference

—

MicroRebalancing (position + reserve + banked)

Buy & Hold

Asset price (scaled)

100-Path Monte Carlo · same settings, different randomness

MR median (25th–75th)

—

B&H median (25th–75th)

—

MR beat B&H in

—

MicroRebalancing breakdown

Final position value—

Cash reserve remaining—

Profit banked (extracted)—

Final Target Allocation—

Buy trades / trim trades—

Buy signals unfunded (reserve empty)—

Why the difference?

Asset price change over window—

Round trips harvested—

Volatility converted to cash—

MR CAGR—

B&H CAGR—

Verdict this run—

The honest part: MicroRebalancing converts volatility into cash. In choppy, falling, or recovering markets it typically outruns buy & hold. In a market that goes straight up without pullbacks, buy & hold usually wins the strict all-capital comparison — the system trims early and holds reserve cash. Try NVDA (relentless uptrend) versus F or ARKK (chop and drawdown) and watch the difference. No system wins everywhere; this one is built for the market we actually get.

Educational simulation only — not financial advice, not a projection, not a recommendation to trade any security. Historical mode uses actual daily closing prices (July 2021 – July 2026, split-adjusted) checked once per day; simulated mode uses randomized geometric Brownian motion. Taxes, commissions, slippage, spreads, and dividends are not modeled; frequent trims in taxable accounts create short-term capital-gains events (MR works best in tax-advantaged accounts). Past performance — real or simulated — does not guarantee future results. All investing involves risk, including loss of principal.

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Real trade logs, 21 documented simulation scenarios, tools & training — Ghost in the Machine