Kubera: Portfolio Management and Future Net Worth Projections

Kubera empowers users to model future net worth by adjusting portfolio rules and comparing multiple scenarios.

### Visualize and Model Your Net Worth with Kubera
* 📊 Kubera allows users to modify variables and view how these changes **impact their financial scenarios**, facilitating **multiple comparisons**.
* 📈 Users can visualize these scenarios through charts that illustrate **changes over time**, providing a **clear future outlook**.
* 🔍 Each chart includes clickable elements that reveal the **calculations behind the displayed numbers**, enhancing **transparency**.
* 💵 The platform enables users to assess their net worth by selecting options like "**Network plus cache**," which highlights the **proportion of cash** within their assets.
* 📅 Kubera offers a recap feature that **tracks portfolio changes over time** and a fast-forward option to **model future situations and their effects on net worth**.
* 📝 Predefined template rules are included, projecting **net worth over various timeframes**, such as **one month to twenty years**, which can be customized by the user.
* 🔧 Users can tweak these rules easily, allowing for **personalized growth rates and asset value changes**, with clear examples provided for guidance.
* 🏗 The rules are categorized into four groups—**affecting assets, debts, income, and expenses**—making it straightforward to **build tailored financial scenarios**.

so recap shows you how your portfolio changed over time in the past, and fast forward lets you model real-life situations and see how they affect your net worth in the future. In simple terms, Kubera lets you add some rules to your portfolio and see, based on those rules, how your net worth is going to look like in the future. Once you come in, Kubera already has some template rules added for you, based on which it is projecting the net worth into the future, like one month, one year, five years, ten years, and twenty years from now. You can click on any of these cards to see the calculation that went behind the projected network number based on these rules. So, I'm clicking on this card, and here is the calculation. You can click on these blue links and tweak them based on your requirement, and when you change something, these numbers will be recalculated. Once you are comfortable with these rules, you can add more notes. These rules are pretty self-explanatory; if you just read it, you'll understand.

what they're going to do. So, for example, here it says the value of all assets to change by five percent per year, and here five percent per year is underlined because that's what you can change here. As if you take another example, if you want to give a growth rate to a particular asset, this is the one which you should choose. It says the value of this asset underlined to change by seven percent per year, which is also underlined. It also gives an example of this rule below it. You can use these rules as building blocks to create the scenario that you want to build. All these rules are grouped into four buckets: rules that will affect your assets, debts, rules that you can use to model your income and expense. Once you have spotted the rule that you need to add, just click on ADD and then click on the Blue Links to tweak it. So, in this case, I'm supposed to select an asset of mine, so I'll search for it, hit done, and then set the growth rate that I want to set for it.

and you can see as I change things here, these numbers will change, and you can have multiple scenarios too, so you can compare between them how things are going to change. You can also compare these scenarios using a chart, and you can see how things change over time into the future. At any point in this chart, you can click and see the calculation that went behind these numbers. So, this chart shows you the network lines from different scenarios. We can also select Network plus cache for this scenario, which basically shows how much of your net worth is your cash. You can also see a cash flow chart for the time period that you have selected for every scenario.

12 Fast Forward - Planning & Scenario Modeling to project future Net Worth in Kubera

Kubera

Kubera provides a recap of your portfolio's past changes and allows you to model future scenarios to project your net worth.

The platform offers template rules for various timeframes, from one month to twenty years, and allows users to tweak these rules for personalized projections.

Users can easily add notes and make adjustments to the rules, with real-time recalculations of the projected net worth.

The value of assets can be changed by a specific percentage per year, with options to customize the growth rate.

Rules are grouped into four categories: assets, debts, income, and expenses.

To add a rule, simply click on ADD, select the relevant asset, and set the desired growth rate.

The tool allows users to change variables and compare multiple financial scenarios.

A chart visualizes the changes over time, with clickable points for detailed calculations.

Users can also view the impact of cash on their net worth and analyze cash flow for each scenario.