Frequently Asked Questions
Answers to common questions about how The Profits Circle works, what the platform can and cannot do, and how to get the most out of its backtesting and forecasting tools.
What does The Profits Circle actually do?
The Profits Circle is a software platform that lets you backtest household financial plans against historical market and economic data, and run forward-looking scenario projections. It is designed to help you stress-test assumptions — savings rate, asset allocation, time horizon — rather than to pick investments for you.
Is The Profits Circle a financial advisor?
No. The Profits Circle does not provide personalized investment, tax, or legal advice, and it is not a registered investment advisor or broker-dealer. The platform provides analytical tools and educational projections only. Decisions you make based on the output remain your own responsibility, and you should consult a qualified professional for advice specific to your situation.
How accurate are the backtests and projections?
Backtests reflect how a given strategy would have performed using historical data, within the limits of that dataset. Forward-looking projections are model-based estimates built from historical patterns and user-defined assumptions. Neither backtested nor projected results are a guarantee or reliable indicator of future performance.
What data does the platform use?
The platform draws on historical market, pricing, and macroeconomic series to construct its backtesting environment. Specific data vintages, sources, and update frequencies are described within the product itself and may be refined over time as the platform evolves.
Do I need investing or coding experience to use it?
No. The Profits Circle is built for household financial planning, so the interface is oriented around plain inputs like income, savings rate, time horizon, and goals. You don't need to write code or have a technical background to set up and run a plan.
Can The Profits Circle account for taxes, fees, and inflation?
The platform allows you to incorporate general assumptions for factors like inflation, fees, and basic tax treatment into your scenarios. These are modeled as adjustable inputs rather than jurisdiction-specific calculations, so you should verify tax and fee details against your own circumstances or a professional's guidance.
How is my data stored and kept private?
Account and scenario data are handled according to the practices described in our Privacy Policy. We recommend reviewing that page for details on what information is collected, how it is used, and the choices available to you regarding your data.
Can I export or share my scenarios?
Within the platform you can save scenarios to your account so you can revisit and adjust them over time. Availability of export or sharing functionality may vary depending on your plan and the current product configuration.
What happens if I change an assumption mid-plan?
You can edit any input — such as contribution amounts, allocation, or time horizon — and the platform will recompute the backtest or projection accordingly. This is intended to support iterative "what-if" exploration rather than a single fixed answer.
Does The Profits Circle work for retirement planning specifically?
Retirement is one of the common use cases supported by the platform's longer time-horizon scenario tools. The same underlying backtesting and projection engine can also be applied to other goals, such as saving for education, a home purchase, or general long-term wealth building.
How do I get started?
You can access the platform using the "Access Platform" link in the navigation above. From there you'll be guided through setting up your first plan and entering the basic inputs needed to run a backtest or projection.
Who can I contact if my question isn't covered here?
If this page doesn't answer your question, please refer to the contact details provided elsewhere on the site or within your account, and we'll do our best to help.
Backtested and projected results shown within The Profits Circle are for informational and educational purposes only. They are based on historical data and modeling assumptions, do not account for every real-world factor, and do not guarantee future performance. The Profits Circle does not provide personalized financial, investment, tax, or legal advice.