Does the 60 / 40 split actually matter?
Run the same money and the same years against three VAS / VGS splits and watch how far apart they really land.
Open this in RannyThe Ranny
What if you'd invested differently?
Ranny is a what-if sandbox for ETF investing. Build a portfolio, set how money goes in, pick a slice of real ASX history, and see how it would have played out - on actual closing prices and dividends, not projections.
It answers the questions you actually ask yourself
Not “what will the market do” - nobody knows that. The ones you can answer with history: did the split matter, did the timing matter, did all that fiddling earn its keep? You set up a scenario; Ranny replays it against real data and reads it back to you in plain English.
It explores the past, it doesn't predict the future, and it isn't financial advice.
What you can ask it
Real questions, each one click from running in Ranny - already set up, ready for you to tweak.
Am I overcomplicating this?
A five-ETF DIY mix versus a single all-in-one fund — same contributions — so you can see if the extra pieces earned their extra brokerage.
Open this in RannyDoes the day of the month matter?
The same monthly buy on the 1st, the 15th and the 27th. Mostly they cluster — but watch what dividend timing does to the edges.
Open this in RannyWeekly or monthly — does the rhythm change anything?
Roughly the same amount each year, fed in weekly versus monthly, against the same fund. Cost, timing and the final tally, side by side.
Open this in RannyA lump now, or fed in slowly?
$200,000 invested all at once versus released in five monthly tranches with the rest parked in cash. The classic timing question, on real history.
Open this in RannyDoes rebalancing more often pay off?
Hold the threshold steady and only change how often you check drift — annual, quarterly, monthly — to see what the extra effort buys.
Open this in RannyWhat did the GFC do, next to COVID?
The same steady investor dropped into two crashes — the GFC and the COVID plunge — over matching four-year windows on the ASX 200. Same plan, different history.
Open this in Ranny…or open Ranny with a blank canvas and start from scratch.
You can't break it
- Nothing is saved, nothing is submitted. No real money, no account needed. Poke at it freely.
- There's a hint wherever you'd want one. The tricky fields explain themselves in place.
- One thing at a time. Comparisons hold everything else fixed, so the screen never explodes.
Exploring is free. The full history reaches back further than the preview's soft five-year cap - that part comes with a subscription.
Ready to ask yours?
Educational and modelling tool only - not financial advice. Scenarios are based on historical data and do not predict future performance. YEETF is not a financial adviser and is not affiliated with any ETF provider.