Split $10,000 of play money between five cryptocurrencies, a gold token and cash, pick a rebalancing rule and play a hidden real year of daily prices. Every trade pays a fee, and the dates are revealed at the end.
Loading real prices...
Investor.gov explains that "Asset allocation involves dividing your investments among different assets, such as stocks, bonds, and cash." This game uses the markets we have full real price histories for: bitcoin, ether, solana, XRP and dogecoin, a gold token and cash.
Each round is a hidden real year of daily closes that starts after 90 days of visible history. There are 1,177 possible start days, from July 7, 2022 to September 25, 2025. When the year ends, the game shows your result next to all bitcoin, one seventh in each sleeve, all gold and all cash, and plays your mix on every other start day too.
We played seven mixes from all 1,177 start days with the game's own rules and costs. The worst tenth is the result that 10% of years fell below; the largest drop is the biggest fall from a peak during the year.
| Mix (rebalancing) | Median year | Worst tenth | Best tenth | Years with a loss | Median largest drop |
|---|---|---|---|---|---|
| All bitcoin (never) | +71.0% | -29.5% | +145.7% | 26.3% | 28.1% |
| Five coins, 20% each (every 90 days) | +94.2% | -42.9% | +198.4% | 26.6% | 40.7% |
| One seventh in each sleeve (every 90 days) | +73.5% | -24.6% | +144.7% | 25.7% | 30.2% |
| Half bitcoin, half cash (every 90 days) | +33.6% | -14.2% | +64.6% | 25.3% | 14.9% |
| Half bitcoin, half gold (every 90 days) | +55.7% | +3.8% | +82.4% | 8.8% | 12.8% |
| 15% bitcoin, 15% gold, 70% cash (every 90 days) | +15.3% | +1.1% | +21.8% | 8.8% | 4.0% |
| All gold (PAXG) (never) | +32.5% | +10.5% | +58.1% | 0.0% | 9.7% |
The five coins had the best median year and also the deepest drops and the worst bad years. Swapping half of the bitcoin for gold cut the years with a loss from 26.3% to 8.8% and the median drop from 28.1% to 12.8%, while the median year fell from +71.0% to +55.7%. Gold did not lose money over any of these years, but this was a strong stretch for gold, so do not read the table as a forecast.
No single market won most years. Over the same start days, XRP had the best year of the six markets 33% of the time, solana 31% and gold 25%. Yet XRP lost money in 34% of those years and solana in 43%. Picking next year's winner is the hard part that a mix avoids.
Investor.gov puts it simply: "Rebalancing is bringing your portfolio back to your original asset allocation mix." Here is the one-seventh mix with each rule, over the same years:
| Rebalancing | Median year | Median largest drop | Median trades | Median costs on $10,000 |
|---|---|---|---|---|
| Never | +70.2% | 33.9% | 12 | $36.25 |
| Every 30 days | +72.7% | 31.2% | 84 | $59.41 |
| Every 90 days | +73.5% | 30.2% | 36 | $52.13 |
| At a 10-point drift | +68.6% | 29.9% | 24 | $45.36 |
Every rule lowered the median largest drop compared with never rebalancing, and the median years stayed within 4.9 points of each other. More rebalancing meant more trades and more costs. Investor.gov adds: "Before you rebalance your portfolio, you should consider whether the method of rebalancing you decide to use will trigger transaction fees or tax consequences."
Educational, not financial advice. The game replays past prices with play money. Crypto and gold tokens can lose a large part of their value, and past years do not predict future ones.
A game in which you split money between different kinds of assets and see how the mix does. Here you divide $10,000 of play money between five cryptocurrencies, a gold token and cash, and play a hidden real year of daily prices with fees.
Yes. Bitcoin, ether, solana, XRP and dogecoin are real Bybit spot daily closes, and gold is PAX Gold on Bitget spot, all downloaded with the ccxt library. Cash is USDT at one dollar. The dates stay hidden until the year ends.
The game only uses markets with a full real daily price history in our data, and those are crypto markets and a gold token. For a stock, bond and cash split, use the portfolio allocation tool linked on this page.
Not reliably. With one seventh in each sleeve, the median year moved by less than 5 points between the four rules, but every rule cut the median largest drop, from 33.9% with no rebalancing to between 29.9% and 31.2%. Frequent rebalancing also paid more fees.
It is the biggest fall of your portfolio from its highest value to a later low during the year, as a share of that high. A 30% drop means $10,000 that grew to $12,000 fell to $8,400 at some point.
No. The prices are real, but the money is play money and no order reaches an exchange. The game shows how a mix and a rebalancing rule behaved in the past; it does not recommend a mix.