Tomorrow's Economics Simulator. Feed it a date, a lump sum, and a monthly contribution. The machine reports what actually happened, what a fixed drip did, and what the wildcard engine would have done with the same cash while keeping its buffer honest.
Pick a proxy, choose the date, and tell it how much cash arrived up front and per month. The one-time pass asks what buy-and-hold really did. The recurring pass compares fixed DCA with W*AVEDCA under identical cash flow.
Direct buy-and-hold from your chosen date to the latest live mark. Benchmark context is shown when it adds signal instead of noise.
The same monthly cash goes through fixed DCA and W*AVEDCA. The pink line is capital contributed only, with no performance baked in.
Adaptive DCA is only honest if underspend stays in cash and is released later under explicit rules instead of being hand-waved away.
The engine reacts to drawdown, distance from the 12-month average, and the size of the recent three-month move. No hidden magic, no mystery alpha.
| Date | Fixed | Adaptive | Cash | Rule fired | Drawdown | 12m gap |
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