https://www.stephan.michard.io/tags/finance/ Recent content in Finance on Home Hugo -- gohugo.io en Sat, 22 Nov 2025 00:00:00 +0000 https://www.stephan.michard.io/2025/compound-simulation-exploring-portfolio-uncertainty/ Sat, 22 Nov 2025 00:00:00 +0000 https://www.stephan.michard.io/2025/compound-simulation-exploring-portfolio-uncertainty/ Introduction Financial planning is often built on a deterministic story: “If I invest X € each month at 5 % per year, I’ll have Y € in 20 years.” But real markets are anything but deterministic. Price fluctuations, volatility, and unexpected shocks can significantly change outcomes. This new tool builds on the foundation of the Compound Interest Calculator, which takes a deterministic view of capital growth. This new tool introduces a probabilistic perspective by using Monte Carlo simulation to explore a spectrum of possible portfolio trajectories based on the users assumptions. https://www.stephan.michard.io/2025/compound-interest-calculator-visualizing-capital-growth/ Sat, 25 Oct 2025 00:00:00 +0000 https://www.stephan.michard.io/2025/compound-interest-calculator-visualizing-capital-growth/ Introduction Understanding how capital develops over time is a cornerstone of financial planning. While compound interest formulas are straightforward on paper, the interplay between savings rate, interest, and time is often less intuitive. To address this, I built the Compound Interest Calculator – a Shiny app that visualizes how capital grows based on different input parameters. The tool illustrates not only the raw numbers but also the dynamics of savings and interest accumulation.