LórienFINANCIAL
LórienFINANCIAL
Engagement Asociados EAFEducational simulator · not investment advice
M. Ríos Investor
MR
IN
SIMULATOR
Protection simulator How it works
Protection pricing and portfolio simulation is available during market hours, between 8:00 AM and 10:00 PM Central European Time.
Protection simulator

Portfolio Protection Simulator

Pick a real market event, add illustrative portfolio holdings, simulate how the portfolio could behave and what protection could do.

Educational simulation only — not investment advice.

This shows how downside protection could have behaved in past crises, using real index data. It does not recommend or sell any product. Prices and the cost of protection are pulled live from the Lórien database; your typed holdings stay in your browser.

1Select a market event i
2Build an illustrative portfolio i
Portfolio value€0
Holdings0
* Price and value are pulled live from the Lórien database.
3

Results — how this portfolio reacts

How each holding reacted in the event and what protection could do.

Portfolio impact under a similar market shock i
Portfolio value — recent trailing, then the event
Portfolio outcome — protected vs unprotected
4Downside protection simulation

Set a hypothetical protection level, timeframe and protection approach and select Run Simulation to estimate how the illustrative portfolio could behave under the selected assumptions.

Protection level i
70%95%
% floor
Timeframe i
maturity
Protection approach i
Set your level, timeframe and approach, then run.
Sources & method — real historical data

Index data is real month-end closes for the four benchmarks — S&P 500, Nasdaq 100, IBEX 35 and MSCI World — from public market data, 2000–2026. Because they are month-end closes, drawdowns are slightly milder than intraday headline figures.

Portfolio engine. Each holding maps to its benchmark; "if it happened today" applies that index's real path, weighted by each holding's live-priced value. Prices come from the Lórien database; the cost of protection is computed by the Lórien hedge engine. Educational only.

Growth stocks vs fund-only — last 3 years

Annual return of the high-growth portfolio (with the five direct growth stocks) versus the same portfolio holding only the funds. The difference is the extra return the growth sleeve added — weigh it against the cost of hedging that sleeve shown above. Illustrative historical data, not a forecast.

PeriodWith growth stocksFund-onlyDifference

Annualised 2023–2025: with growth stocks ≈ +30.0% / yr vs fund-only ≈ +14.8% / yr.

Override current portfolio?

Are you sure you want to override the current sample? Any positions you've added will be replaced.

Education

How protection works

A plain-English look at protecting a portfolio against big drops. Educational only — not investment advice.

What is downside protection?

It's a way to set a floor under your portfolio — like insurance. If markets fall hard, your losses stop at a level you choose (say, 95% of today's value). If markets rise, you keep most of the upside, minus the cost of the protection.

What does it cost?

Like insurance, protection has a premium — typically a small percentage of the value you protect each year. The deeper the protection and the longer the horizon, the more it costs. The simulator shows an estimated range.

What it can't do

It won't make you money — it caps your downside, it doesn't add upside. In calm markets it's a small drag. It's also modelled on past crises, which never repeat exactly. Real protection involves specific products and a licensed adviser.

Ready to try it?

Run your own numbers in the simulator, then talk to a licensed financial adviser about setting it up for real.