Investment calculator methodology

Historical prices and returns

For one purchase: ending value = investment × ending price / starting price. Price return = ending price / starting price - 1. Annualized price return = (ending price / starting price) raised to 1 / elapsed years, minus 1. Elapsed years use actual calendar days divided by 365.25.

Daily-series pages use cached source observations. Start dates resolve forward to an available observation; end dates resolve backward. Pages with only endpoints cannot provide a historical path or contribution backtest. No annualized period is presented as an observed historical period.

Contributions and costs

Historical monthly additions purchase fractional units at the first stored observation in each subsequent calendar month. The chosen purchase fee reduces the amount used to buy units. Price CAGR does not include contribution timing and is not money-weighted portfolio performance. An optional constant inflation assumption discounts the ending value into starting-date dollars; it does not use a historical CPI series.

Sources, income and corporate actions

Stock and ETF histories use Nasdaq closing-price data with the mapped asset class. Crypto uses Binance daily USDT history when available and sufficiently current, with CoinGecko daily USD history as the stated fallback. Cash dividends, staking rewards, taxes and sale costs are excluded. Provider adjustment treatment is not independently verified. Token migrations, delistings, source gaps and quote-currency changes can limit comparability. Binance USDT quotes assume parity with USD where used.

Risk and benchmarks

Drawdown is the largest observed closing-price decline from a prior peak. Recovery is the first subsequent observation that regains that peak. The full source window is stated beside the risk analysis. Comparisons use dates present in both sources and the same contribution rules. Skipping nonshared dates can understate between-observation risk.

Rolling one-year windows begin at each stored observation and end at the first observation on or after its anniversary, up to seven days later. Windows overlap. The share that lost money describes this sample, not a forecast. Coverage favors assets in the current library and is not a complete survivorship-free market backtest.

Scenario Score and future scenarios

Category pages use a transparent historical Scenario Score: 50 + 0.8 × base CAGR − 0.4 × maximum closing-price drawdown, rounded and capped from 0 to 100. It is a screening aid, not a valuation, recommendation or probability. Forward tools separately use explicit effective annual rates and end-of-month contributions; no future rate is inferred from a ticker.

Aurum results

The site links to documented account screenshots, withdrawal evidence and Aurum's reported 14% monthly average. These are historical records and claims with their own dates and evidence limits. Extending any historical rate into future periods is a hypothetical calculation. Inspect results and context.

Accountability and corrections

UBI.quest uses AI-assisted generation and automated calculation checks. Jan Winum is responsible for publication decisions. No independent professional review is claimed. For a correction, contact Jan Winum with the page URL, observation date, source and discrepancy. Source fetch dates are distinct from publication and editorial modification dates.