004 — Currency Drag Calculator

WHAT THIS IS

A stress-test instrument that quantifies how currency movement

multiplies or erodes returns earned in a foreign currency, and

identifies the exact FX threshold that would erase the gain entirely.

L1 = (1+N)(1+FX) − 1 → L2 = real return after inflation → break-even FX

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WHAT IS INCLUDED

→ Interactive FX drag calculator (mobile-ready)

→ FX sensitivity table — outcome across multiple hypothetical FX shifts

→ Break-even threshold — the exact FX move that zeroes your USD gain

→ H0/H1 framework — the belief vs. the mathematical reality

→ Companion "How It Works" PDF with Excel-equivalent formulas

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WHO THIS IS FOR

Anyone holding USD-denominated assets, cross-border investments, or

multi-currency exposure who has never quantified the FX risk sitting

underneath the quoted return.

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SYSTEM BOUNDARY

This is a mathematical modeling tool for educational purposes only.

It does not constitute financial advice under SEBI (India), OJK

(Indonesia), SSC (Vietnam), or any regulatory body. All inputs are

user-defined. FH1N holds no investment adviser registration.

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FH1N // RISK ENGINE // DROP #004 // SYSTEM ALPHA

Your USD return isn't your return. This calculates what currency movement silently takes.