StudyVest simulator

Global returns & currency simulator

See how a foreign investment return, movement in the rand and fees can combine into an estimated rand outcome.

Educational scenarios only. This tool does not forecast markets or recommend an investment.

Two learning modes

Regular keeps the mechanics simple. Pro adds multi-year assumptions, contributions and sensitivity analysis.

AssetCurrencyFees

Regular mode

Test a simple scenario

Starting amount (R)

Foreign asset return (%)

Foreign currency movement versus rand (%)Positive means the foreign currency strengthens against the rand; negative means it weakens.

Estimated total fees (%)

Asset-only valueR10,800

After currency effectR11,340

After estimated feesR11,261

Estimated rand return12.6%

The foreign asset rose and the foreign currency strengthened against the rand, so both effects increased the rand value in this illustration.

What Regular Mode teaches

Separate the moving parts.

The foreign investment can gain or lose value.
The rand translation can amplify or offset that movement.
Fees reduce the amount retained.
A single scenario is not a forecast.

StudyVest Pro

Advanced simulator mode

Pro Mode turns the one-period example into a deeper learning lab. It is available to signed-in StudyVest Pro members on the live site.

Multi-year modellingTest a holding period rather than one isolated return.

Annual contributionsSeparate what you contributed from modelled growth.

Fee dragModel annual fund fees and one-off implementation costs.

Bear / base / bullCompare several assumptions instead of relying on one number.

Currency sensitivitySee how stronger or weaker rand assumptions change the result.

Interpretation promptsTurn outputs into questions about risk, evidence and uncertainty.

Opening this downloaded folder? Regular Mode works directly as HTML. The protected Pro version uses PHP, so it must run on the Domains.co.za cPanel PHP server (or another PHP web server) rather than from a file:/// address.