Risk control
Financial decision simulator
Guided cases
Financial decision simulator
Five common situations to understand what each decision protects, what it compromises, and what should be reviewed before acting.
The cases and figures are illustrative. This experience does not recommend products and does not replace analysis of a specific situation.
Currency conversions are illustrative and only used to compare decisions within the case.
Case 1 of 5
An opportunity while carrying expensive debt
Situation
You have USD 6,250 in savings and USD 5,000 in credit-card and personal-loan debt. Someone you know presents an investment that may return 15% a year. Monthly cash flow is tight, and your reserve currently covers only one month of expenses.
Visible facts
- Savings
- USD 6,250
- Debt
- USD 5,000
- Average debt rate
- 27% E.A.
- Monthly payment
- USD 275
- Essential spending
- USD 1,250 a month
- Emergency fund
- One month
- Monthly free cash flow
- USD 150
- Stated return
- 15% expected
- Investment exit
- Up to 90 days
Known cost versus expected return
Three decisions
Choose a decision to examine its effects—not to get an answer right.
Money warning signs
Checklist, warning signs and filters before committing capital.
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