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Wealthfolio addon: would a different investment have done better with your money?

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Hindsight

Would a different investment have done better with your money?

A Wealthfolio addon that replays your actual deposits and withdrawals in an index ETF, Bitcoin, any Yahoo Finance ticker or a fixed mix, and shows how much more or less you would have gained.

Hindsight comparing a synthetic stock portfolio with the S&P 500, MSCI World, a 60/40 mix and cash

Features

  • Gain difference: the alternative's gain minus yours, with exactly your cash flows.
  • Money-weighted return (XIRR) per line, nominal or inflation-adjusted.
  • Charts of each line's value, or of its lead or gap over your portfolio.
  • Max drawdown per line.
  • Mixes of 2–5 assets, rebalanced monthly, quarterly, yearly or at a drift threshold.
  • English and German, in Wealthfolio's number format.

Install

Requires Wealthfolio 3.12 or later.

  1. Download the ZIP from the latest release.
  2. In Wealthfolio, open Settings → Add-ons and install the ZIP.
  3. Approve the permissions and open Hindsight in the sidebar.

Privacy

Hindsight reads accounts, activities and valuations through the Wealthfolio SDK and never changes them. It fetches prices from Yahoo Finance and consumer price indices from the OECD; only tickers, dates, currency pairs and a country code leave your device. No backend, no telemetry.

How it works

Each deposit buys the alternative at that day's adjusted close, each withdrawal sells some of it: a Public Market Equivalent (Long–Nickels). Results are before taxes and trading costs, and describe the past, not the future. Details in docs/MODEL.md.

Development

npm ci --ignore-scripts
npm run check     # types, tests, reference model
npm run package   # build/hindsight.zip

See CONTRIBUTING.md.

License

MIT, except the vendored Wealthfolio chart marker (AGPL-3.0-only), which puts the distributed addon under the AGPL as well. See THIRD_PARTY_NOTICES.md.

Hindsight is not affiliated with Wealthfolio.

About

Wealthfolio addon: would a different investment have done better with your money?

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