Part 18: Asset Allocation Simulator & Portfolio Tracking Dashboard

Now that we understand every asset class, we need a unified dashboard to:

1. Track the current value of each investment bucket.
2. Simulate projected returns under different scenarios.
3. Visualize the combined portfolio across all categories.

This dashboard will be a free, static HTML/JS page hosted on GitHub Pages that reads all data from our Turso database.

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1. What the Dashboard Tracks

The dashboard is divided into six strategy groups, each with its own chart:

Group 1: Fixed Income (FD + Savings + P2P)

• Data Inputs: Principal amount, annual interest rate, tenure.
• Charts: Bar chart of monthly interest income per vehicle.
• Metrics: Total fixed income monthly inflow (e.g. ₹2,500/month).

Group 2: Market-Linked Equity (Index SIP + Dividend Stocks)

• Data Inputs: SIP amount, CAGR assumption (default 12%), portfolio value.
• Charts: Line chart of projected portfolio growth over 5/10/20 years.
• Metrics: Current corpus, projected corpus, total returns.

Group 3: REITs & Alternative Income

• Data Inputs: REIT units, purchase price, quarterly dividend data.
• Charts: Quarterly dividend income bar chart.
• Metrics: Annualized rental yield on invested capital.

Group 4: Commodity Hedge (Gold ETF + Silver ETF)

• Data Inputs: ETF units, average buy price, current price (fetched live).
• Charts: Waterfall chart showing unrealized gain/loss.
• Metrics: Portfolio weight of commodities vs total equity.

Group 5: Options Trading PnL

• Data Inputs: Read from Turso daily_pnl table (populated by paper trader bot).
• Charts: Equity curve (total PnL over time), strategy breakdown pie chart.
• Metrics: Win rate, profit factor, max drawdown, total P&L.

Group 6: MTF Equity Swing

• Data Inputs: Open positions, MTF funded amount, accrued daily interest.
• Charts: Net MTM (mark-to-market) after interest deduction.
• Metrics: Gross return, interest cost drag, net return.

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2. Tech Stack for the Dashboard

Component	Tool	Cost
Hosting	GitHub Pages	Free
Data Backend	Turso (HTTP read-only REST API)	Free
Charts	Chart.js v4 (CDN)	Free
Styling	TailwindCSS (CDN play)	Free
Data Fetch	Browser-side fetch() to Turso endpoint	Free

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3. Separate Database Tables for Each Group

We extend the Turso schema to support all asset classes:

-- Fixed Income tracker
CREATE TABLE IF NOT EXISTS fixed_income (
  id INTEGER PRIMARY KEY AUTOINCREMENT,
  vehicle TEXT NOT NULL,
  platform TEXT NOT NULL,
  principal_inr REAL NOT NULL,
  rate_pa REAL NOT NULL,
  start_date TEXT NOT NULL,
  end_date TEXT
);

-- SIP & Mutual Fund tracker
CREATE TABLE IF NOT EXISTS sip_investments (
  id INTEGER PRIMARY KEY AUTOINCREMENT,
  fund_name TEXT NOT NULL,
  monthly_sip_inr REAL NOT NULL,
  start_date TEXT NOT NULL,
  assumed_cagr REAL DEFAULT 12.0
);

-- REIT tracker
CREATE TABLE IF NOT EXISTS reit_holdings (
  id INTEGER PRIMARY KEY AUTOINCREMENT,
  reit_name TEXT NOT NULL,
  units REAL NOT NULL,
  avg_buy_price REAL NOT NULL,
  last_dividend_per_unit REAL
);

-- Portfolio daily snapshot
CREATE TABLE IF NOT EXISTS portfolio_snapshot (
  snapshot_date TEXT PRIMARY KEY,
  fixed_income_value REAL,
  sip_value REAL,
  reit_value REAL,
  gold_etf_value REAL,
  options_pnl REAL,
  mtf_equity_value REAL,
  total_value REAL
);

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4. Daily Snapshot GitHub Action

A separate GitHub Actions cron job runs every market day at 4:00 PM IST to capture a daily portfolio snapshot into the portfolio_snapshot table:

name: Daily Portfolio Snapshot
on:
  schedule:
    - cron: '30 10 * * 1-5'  # 4:00 PM IST = 10:30 UTC
jobs:
  snapshot:
    runs-on: ubuntu-latest
    steps:
      - uses: actions/checkout@v4
      - uses: actions/setup-python@v5
        with:
          python-version: '3.12'
          cache: 'pip'
      - run: pip install requests
      - name: Record daily snapshot
        env:
          TURSO_DB_URL: ${{ secrets.TURSO_DB_URL }}
          TURSO_DB_TOKEN: ${{ secrets.TURSO_DB_TOKEN }}
        run: python scripts/snapshot.py

Proceed to Part 19: The Sovereign Developer's Income Roadmap →