Tools / Portfolio Projector
Portfolio Return Projector
See how spreading your capital across multiple certificates affects your total annual return.
Amount
Rate %
Total Invested
$2,500
Yearly Earnings
$625.00
Blended Rate
25.0%
Track For Real
Stop projecting. Start tracking. LienSimple manages your real portfolio.
Get Started FreeWhy It Matters
The difference between a good portfolio and a great one comes down to allocation. Spreading capital across smaller certificates in tiered-rate states can double your returns.
Who It Is For
For investors who want to optimize capital allocation and understand how certificate sizing impacts overall portfolio yield.
How It Helps
See your blended rate across all certificates. Compare allocation strategies. Make data-driven decisions about where to deploy next.
Portfolio Projector FAQ
How does spreading capital improve returns?v
In tiered-rate states like Texas, smaller certificates earn higher rates. Eight $2,500 certificates at 25% earn $5,000/year. One $20,000 certificate at ~13% earns $2,640.
What blended rate should I target?v
A well-constructed portfolio of small certificates in top states can achieve 15-25% blended rates. Your actual rate depends on your allocation strategy and state mix.
How many certificates should I start with?v
Start with 3-5 certificates to learn the process. Scale to 10-20 as you gain experience. The projector shows how adding certificates impacts overall yield.
Does the projector account for early redemptions?v
This tool projects annual returns assuming full-year holding. In reality, redemptions happen throughout the year. LienSimple tracks actual redemption dates and accrued interest.