BackStartups

Calculator

Portfolio simulator

Set your allocation and how many companies you intend to back, then describe how you expect those outcomes to be distributed. The tool does the arithmetic — including the one number most angels never calculate, which is the chance of holding no outlier at all.

Your allocation

Reserved for follow-ons
Available for first cheques
Standard cheque size

Your expected distribution

How many of your investments land in each bucket. The counts must add up to your portfolio size — the tool tells you if they do not.

Total invested
Total returned
Portfolio multiple
Share of return from the top bucket

The risk nobody calculates

The assumed rate is your modelling choice, not an observed figure. Whatever value you use, the shape is the same: the probability of holding nothing exceptional falls steeply as the portfolio grows, and that fall is the whole argument for portfolio size.

A model, not advice, and certainly not a forecast. It computes the consequences of assumptions you supply. It ignores dilution, liquidation preferences, fees and carry — see the dilution calculator and theexit waterfall calculatorfor those.

What to do with it

Run it twice. Once with a distribution you would call reasonable, and once with one you would call disappointing — usually just moving the exceptional outcome into the total-loss column. The gap between the two results is the range you are actually underwriting, and it is normally much wider than people expect.

Then look at the share of the return coming from the top bucket. In most plausible distributions it is well over half, which isthe power law stated as a number. It is also the reason that effort spent turning failures into break-evens changes almost nothing, while effort spent increasing your chance of holding one exceptional company changes everything.

Finally, change the portfolio size and watch the odds line. Moving from ten positions to thirty is a bigger improvement to your chance of a good outcome than almost anything else available to you — which is whycheque size and portfolio size are the same decision.

Portfolio simulator: common questions

What outcome distribution should I use?
There is no correct answer, which is the point of the tool. Start with a distribution you would describe as reasonable, then run one you would describe as disappointing. The gap between them is the range you are actually underwriting.
Why does the tool show the chance of no outlier?
Because a portfolio's return is dominated by its single largest outcome, so the probability of holding none is the most important risk in the whole design. It falls steeply as the portfolio grows, which is the arithmetic behind planning for twenty or more positions.
Does this predict my returns?
No. It computes the consequence of assumptions you supply. Its value is in showing how sensitive the result is to the top of the distribution and how little the middle matters — not in producing a number to expect.