Why a $1.2M portfolio can score lower than an $800k one (and why I built a tool to prove it)
Net worth is a vanity metric that often hides deep financial risks. While building WealthLogic, I realized that many people feel a false sense of security just because their balance is high.
I just launched two new resources to help solve this:
The Curiosity Gap: I wrote a deep dive on why an $800k portfolio with low fees and a 3.25% SWR is mathematically more resilient than a $1.2M portfolio bloated by 1.2% management fees and an aggressive withdrawal rate. Read the analysis here: wealthlogic.io/blog/why-800k-can-beat-1.2m
The Audit Tool: To help users see where they stand, I built a prominent Portfolio Health Score. It uses a 1-10 grading system based on financial heuristics to stress-test your strategy in 60 seconds. Get your score here: wealthlogic.io/portfolio-audit
The Goal: Stop focusing on the total sum and start focusing on the efficiency of the engine. Since 75% of my users are on mobile, I have designed these pages to be high-fidelity and friction-free. No signups, no data scraping, just pure logic.
I would love to hear your thoughts on the scoring logic. Does a 1-10 grade change how you view your retirement progress?
