Historical Backtesting & Simulation Methodology
This engine models 20-year empirical compound annual growth rates (CAGR) and dividend reinvestment compounding across major asset classes:
- NASDAQ 100 (QQQM) & S&P 500 (SPLG): Historical CAGRs of 14.2% and 10.5% with dividend reinvestment.
- SCHD Dividend Growth: 3.6% starting dividend yield compounding at a 10% annual dividend growth rate to calculate future monthly cash flow.
- Tax-Sheltered Accounts (ISA/IRP): Shielding 15.4% dividend withholding and 22% capital gains tax compounds into significant additional net worth.
Discover where your net worth ranks in Korea Open Wealth Ladder Diagnosis ➔