002 — Portfolio Return Dissector

WHAT THIS IS

A three-layer stress-test instrument that dissects a stated portfolio

return into what actually remains after inflation, currency movement,

and tax friction.

RE = [(1+N)/(1+I)] − 1 → extended across 3 sequential layers

Most portfolio returns are quoted in isolation. This tool shows the

same number stripped down, layer by layer, until only the real

outcome remains.

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WHAT IS INCLUDED

→ Interactive 3-layer dissection calculator (mobile-ready)

→ Capital breakdown module — tax cost, inflation cost, FX drag, net erosion

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

→ Open formula — every calculation is visible and auditable

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

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WHO THIS IS FOR

Investors holding cross-border or multi-currency positions who want

to know the real return, not the quoted one.

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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 #002 // SYSTEM ALPHA

Your portfolio return isn't your return. This dissects inflation, FX, and tax layers to reveal what's real.