Answer first: This is a model library, not a leaderboard of guaranteed losses. A displayed dollar gap is the output of a stated scenario. It may measure a direct fee, a yield spread, a one-time reaction, a historical comparison, or a research-based stress test. The figures are not additive, and they should not be treated as forecasts or as losses every investor will experience.
How Should You Read This Library?
A single descending table makes unlike outputs look comparable. A direct expense ratio and a research-translated one-time haircut are not the same measurement, even when both end in dollars.
| Label | What it means | How to use it |
|---|---|---|
| Reconciled output | This hub review could match the displayed amount to a current article calculation record or reproduce its arithmetic. | Read the article inputs before deciding whether the scenario resembles your situation. |
| Legacy model | The article remains available, but the hub is withholding its old headline dollar figure until an article-level re-audit is completed. | Use it as a topic index, not as a verified current estimate. |
| Direct cost model | The main input is a documented fee, yield, tax rule, contribution limit, or account term. | Check the as-of date because the input can change. |
| Decision or reaction model | The output depends on a hypothetical investor action, such as selling after a data release. | Treat the result as scenario analysis, not observed average behavior. |
| Research translation | An academic finding is converted into an investor-sized example. | Confirm that the article preserves the study’s sample, metric, and limitations. |
| Historical or regime comparison | Two paths are compared over a defined sample or assumed future regime. | Do not read the historical winner as a forward forecast. |
Do not add these figures. Several models overlap, use alternative counterfactuals, or apply to mutually exclusive choices. A combined household estimate requires one integrated model that reconciles the same balances, cash flows, taxes, and dates.
Which Outputs Were Reconciled in This Hub Review?
The five amounts below remain visible because this hub review could match them to a current article calculation record and reproduce or reconcile the published arithmetic. That does not independently re-audit every underlying dataset. The output still belongs to the linked article’s exact scenario, not to every investor.
| Published output | What the scenario measures | Model type | Horizon | Article |
|---|---|---|---|---|
| $762,837 | A 30-year all-U.S. versus all-ex-U.S. historical-return scenario. The same article also tests a regime in which the direction reverses. | Historical and regime comparison | 30 years | 100% U.S. Portfolio |
| $163,177 | A modeled currency-translation comparison for an international-equity sleeve during a stated dollar regime. | Currency and regime scenario | 10 years | Strong Dollar and International ETFs |
| $83,276 | A real-value scenario anchored to a historically unfavorable gold purchase window, not a forecast of future gold returns. | Historical stress test | 20 years | Is Gold an Inflation Hedge? |
| About $19,200 | The approximate compounded difference between two dated cash-yield assumptions on a constant brokerage cash balance. The exact formula result rounds to about $19,200. | Direct yield-spread model | 10 years | Brokerage Sweep Account Rates |
| $9,971 | A modeled 12-year cost of holding a currency-hedged developed-market ETF (HEFA) instead of its unhedged twin (EFA): a 0.03% fee gap plus an up-to-0.17% forward-roll, about 0.20% a year, on a $180,000 lump. | Direct fee-and-roll model | 12 years | Hedged vs Unhedged ETF Returns |
| $8,834 | A modeled 30-year after-tax comparison of one $7,500 contribution held in a Roth IRA versus a taxable brokerage account, at a 15% rate on qualified dividends and on the gain at sale. Under a full zero-rate path the same contribution year is worth nothing. | Direct tax-timing model | 30 years | What One Missed Roth IRA Contribution Costs |
Reconciliation status: The hub checked the published arithmetic or current article record for these five rows. Underlying data provenance and applicability remain the responsibility of the linked article, and no scenario output becomes a universal estimate.
Which Direct Account and Cost Models Are in the Library?
The legacy articles below cover fees, account mechanics, tax rules, cash settings, and contribution capacity. Their previous hub dollar figures have been removed until each article receives the same article-level re-audit used for the reconciled table.
| Topic | Primary model question |
|---|---|
| Mega Backdoor Roth | How after-tax plan capacity changes the amount that can reach a Roth account. |
| HSA Investment Strategy | How leaving HSA contributions in cash differs from investing under stated assumptions. |
| Tax-Loss Harvesting Rules | How a modeled tax deferral or benefit changes compounding. |
| Expense Ratio Impact | How a documented annual fund cost changes future value. |
| Roth vs Traditional IRA | How equal contribution labels can hide different after-tax capacity and future tax treatment. |
| Zero-Commission Broker Costs | How execution, cash, and lending economics can exist alongside a $0 commission label. |
| Backdoor Roth IRA Rules | How the pro-rata rule changes a conversion scenario. |
| 401(k) Match Vesting | How forfeiting an unvested match changes long-run retirement value. |
| Overfunded 529 Plan | How tax, penalty, and alternative-use assumptions affect an overfunded account. |
| Pattern Day Trader Rule | How settlement and buying-power constraints affect an active-trading scenario. |
| CPI vs PCE | How choosing a price index changes a real purchasing-power calculation over a stated horizon. |
Which Fundamental-Analysis Models Are Awaiting Re-Audit?
These articles translate accounting, valuation, governance, and bankruptcy research into investor examples. This is the category most vulnerable to metric mismatch, so the hub no longer republishes the legacy dollar outputs before source and subject-fit review.
| Topic | Research or measurement question |
|---|---|
| Asset Allocation Strategy | What policy-allocation research does and does not explain about portfolio return variation. |
| Cash Flow Statement Analysis | How cash-flow measures can alter a financial-distress assessment. |
| PEG Ratio | How growth assumptions inside a valuation multiple affect the comparison. |
| Adjusted P/E Ratio | How claimholder and balance-sheet differences affect an equity multiple. |
| Predict Company Bankruptcy | How model thresholds and false positives change a screening decision. |
| Revenue Growth and Accrual Quality | How accrual reliability and revenue growth should be interpreted without turning a portfolio spread into an individual-stock haircut. |
| Income Statement Analysis | How cost behavior and operating assumptions affect an earnings scenario. |
| EV/EBITDA vs P/E | How capital structure changes the denominator and comparability of valuation multiples. |
| Economic Moat | How a qualitative label differs from a valuation-aware investment rule. |
| CEO Red Flags | How governance evidence should be translated into a concentrated-position scenario. |
| How to Read a 10-K | How filing sections support or contradict a narrative investment thesis. |
Which Portfolio and Decision Models Are Awaiting Re-Audit?
| Topic | Decision question |
|---|---|
| Investment Policy Statement | How a stated behavioral-drag assumption changes a long-run portfolio path. |
| Portfolio Rebalancing Strategy | How threshold and calendar rules differ under stated costs and tracking assumptions. |
| Business-Cycle Investing | What a perfect-foresight or upper-bound backtest can and cannot say about real-world timing. |
| Why Emerging Markets Underperform | How growth, dilution, valuation, and shareholder return can diverge. |
| Why GDP Is a Lagging Indicator | How reacting to an early GDP estimate changes a hypothetical portfolio path. |
| How to Read the Jobs Report | How a one-time reaction to a noisy labor-market release changes a stated portfolio scenario. |
Until the assumed action, timing, recovery path, and implementation costs are documented, the hub lists the topic without repeating a dollar estimate.
Which Trading-Signal Models Are Awaiting Re-Audit?
Technical-analysis examples are especially sensitive to data snooping, parameter choice, turnover, spread, slippage, tax treatment, and whether the study documents existence or profitable implementation. The hub therefore withholds the old dollar figures until each article’s backtest or composite-drag assumptions are revalidated.
| Topic | Primary audit question |
|---|---|
| Candlestick Patterns | Does the reported win rate survive costs, base rates, and out-of-sample testing? |
| Support and Resistance | Does price clustering translate into implementable excess return? |
| Trendline Survivorship Bias | Are the selected rules and securities free from look-ahead and survivor selection? |
| SMA vs EMA Crossover | Does the turnover and cost assumption match the tested strategy and investor? |
| RSI Overbought Signal | Does classification accuracy establish a tradable return after costs? |
| Does MACD Work? | Is a composite annual drag supported by the cited studies or only imposed by the scenario? |
| Bollinger Band Squeeze | Are direction, volatility, and transaction-cost assumptions measured or hypothetical? |
| Volume Precedes Price | Do the cited papers test the same folk claim and the same trading rule? |
| TradingView Settings for Investors | How much activity is caused by alerts, and what cost assumptions belong to that behavior? |
What Do These Figures Mean Together?
They show where a financial decision can be modeled, not what your portfolio has certainly lost. The most useful starting point is usually the direct, observable input in your own account: an expense ratio, advisory fee, idle-cash yield, tax rule, contribution limit, or vesting schedule. Those inputs can be checked before debating a long-horizon return forecast.
A modeled gap remains reduced only while the relevant setting, rule, cost, or behavior remains changed. It can reopen when rates move, fees change, tax law changes, an investor resumes the old behavior, or the original assumption no longer fits.
For formulas, rate conventions, source hierarchy, and model limitations, read How TheFinSense Calculates.
Which input can you verify today?
Open one account statement or plan document and check a single dated input: cash yield, expense ratio, advisory fee, contribution limit, or vested balance. That is more actionable than choosing the largest number on this page.
Review record
1. Inventory audit 2026-07-14 Read and classified all 41 entries from the previous single-table hub.
2. Reasoning audit 2026-07-14 Removed the claim that all outputs are exact, independent costs produced by the same one-variable formula.
3. Verification split 2026-07-14 Kept four outputs visible after arithmetic or record reconciliation and withheld the other 37 headline amounts pending article-level re-audit.
4. Markup and reader audit 2026-07-14 Rebuilt the malformed table as mobile-safe category tables and reviewed the page for trust, repetition, and realistic reader action.
Update history
- v2.0 2026-07-14 MAJOR REVISION
Replaced the single exact-cost leaderboard with a measurement-based model library. Kept four reconciled outputs, withheld the other 37 headline amounts, repaired malformed table rows, added model definitions, and clarified that outputs are not additive or universal.
- v1.1 2026-07-12 UPDATE
Previous model entries added through the July 2026 publication set.
Educational quantitative analysis based on published data. Not investment, tax, or legal advice. Consult a licensed professional before acting on any calculation. About TheFinSense.