Pure Benchmarks · Hypotheticals
What If You Had Not Sold During the Market Crash?
JP Morgan Asset Management data shows that missing just 10 of the best trading days out of 4,900 over 20 years cuts a $10,000 investment from $71,750 to $32,871. Hartford Funds confirmed 76 percent of the market's best single days occurred during a bear market or within the first two months of a bull market recovery. Pure Benchmarks Hypotheticals calculates the exact dollar cost of every sell decision in your real portfolio history and compares that cost to thousands of real verified investors in the same risk category who held through the same market conditions — showing you precisely what staying invested would have been worth in your specific situation.
The real dollar cost of selling during downturns
JP Morgan Asset Management data shows missing just 10 of the best trading days over 20 years more than halves a $10,000 investment, and Hartford Funds found 76 percent of the best single days cluster inside bear markets or the earliest weeks of recovery — exactly when sellers are on the sidelines.
How Hypotheticals calculates this for your real portfolio
Hypotheticals reads your real portfolio history and calculates the dollar cost of each sell decision you actually made, using your connected holdings rather than an average.
How it compares your outcome to real peers who stayed invested
Your outcome is placed against thousands of verified investors in the same risk category who held through the same market, so you see the gap against real people, not a theoretical index.
What the data shows about investors who held versus sold
The pattern across the data is consistent: behavior around downturns, not fund selection, drives most of the gap between staying invested and selling.
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See Your Free Benchmark ReportFrequently asked questions
How much does selling during a crash actually cost?
It depends on your holdings and timing. Hypotheticals calculates the exact dollar cost for your real portfolio and compares it to peers who held.
Can I see what I would have if I had stayed invested?
Yes. Hypotheticals shows what staying invested would have been worth in your specific situation, benchmarked against real verified peers.
What data is this based on?
Your real connected portfolio history, plus published research from JP Morgan Asset Management and Hartford Funds cited above.
Keep exploring
- The Hypothetical Portfolio Simulator Built on Real Peer Data
- What If You Had Switched Financial Advisors?
- What If You Had Invested in Index Funds Instead?
- The Cost of Panic Selling Calculator Built on Real Peer Data
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This page is an information baseline for comparison only. It is not investment advice and not a recommendation to buy, sell, replace, or transfer any specific asset, account, or firm. Past performance does not guarantee future results. All figures shown are illustrative.