Design Your Outcome

Choose how far you are willing to let the market fall, and see the outcome we build from that choice.

Investing cash, or protecting shares you already own?

I have cash to invest

We buy shares in the index you choose — the S&P 500 or the Nasdaq 100 — and they sit in your own account, in your own name. You own them and you collect the dividends. Then we place the protection around those shares, so it is in place from the first day.

I already own shares

We don’t touch the shares you have. You keep them and you keep the dividends, and because nothing is sold, the gains you’ve been carrying keep deferring. We simply place the protection around what you already hold. The one exception is the 0% Floor: it is built from cash, so funding it from shares you already own means selling them first — every other floor keeps your shares, with no sale.

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How this works

1Pick a shape of protection. The two buttons below. Not sure? Start with The Floor.
2Set your worst case. How far the market could fall before your losses stop.
3See where your payoff begins. Everything below updates the moment you click.

Nothing to sign up for and nothing to buy — this is a calculator, and the prices in it are today’s real market prices. Change your mind as often as you like. When something looks right, send it to us — press ★ Save, then put your email address in the form beside your saved list — and we’ll walk through it with you.

The Floor

The Buffer

How much do you want protected?

—

Protect me below

Outcome delivered

— Why this date?

Which index?

S&P 500

Nasdaq

S&P small

Your outcome at the finish line

Each point on the line is a place the S&P could finish, and the number beside it is what you walk away with if it does. The smaller gray figure underneath is that same result annualized — the yearly rate it works out at, so you can compare terms of different lengths.

Save as many as you like, then send them all in one email. Press Save this idea and it joins the list below. Click any saved idea to open it again; press the × beside one to remove it, or Clear all to empty the list. They are kept in this browser on this device — no account, nothing on our servers, and they are gone if you clear your browsing data. Email the list to yourself to keep it.

Keep them for yourself

Opens your own email app with the list ready to send. Nothing is sent to Granite and we never see it.

Send them to Granite

We will look at what you built and get in touch.

I am a financial adviser asking on behalf of a client

How would you like us to get back to you?

Email me Call me Set up a meeting

Each saved idea is a link that reopens the same design — priced at that day’s market, so the numbers will differ from the ones you are looking at now.

One thing we check before anything is agreed. Some of these shapes sell an option to pay for the protection. Your broker decides whether your account is allowed to do that, and we confirm it with them — it is not something you fill in here.

What is “Market Track Record”?

It is the stock market's own record — the index you chose, the S&P 500's or the Nasdaq-100's — not Granite's, and not any strategy's. Think back over that index's history — all of it (97 years for the S&P 500 from 1928, 39 for the Nasdaq-100 from 1986), or the last 40 or 20 if you prefer. The drop-down beside the button chooses which. We counted, year by year, how often it went up a lot, up a little, stayed about the same, down a little, or down a lot. The blue bars show those counts. It's simply what really happened over a very long time. It never changes, it's just history, here to give you a feel for what's normal.

What is “Current Conditions”?

This isn't our opinion, it's what the market itself is telling us, right now. Every day, real people put real money behind a view of how bumpy the ride ahead will be. The price the market lands on is public, and anyone can see it. We simply read that number straight from today's prices and turn it into the purple bars. When investors are pricing in a calm year, the bars sit narrow; when they're pricing in a scary one, the bars spread out wide. Because that price moves day to day, these bars move with it. It's a real, live number, not our guess, though it still isn't a promise of what will actually happen.

Which one should I trust?

On Current Conditions, how wide the bars spread out comes straight from real market prices, so it's usually a fair read of how bumpy things could get. Exactly where the middle sits is much less reliable. Nobody, including the market, can reliably say which direction a year will go. And neither chart promises what your own plan will do. They are just here to give you a feel.

The details (for the curious)

Market Track Record is the index's own history, not ours. It uses the calendar-year price returns of the index you chose — the S&P 500's from 1928–2024 (97 years) or the Nasdaq-100's from 1986–2024 (39 years) — or the most recent 40 or 20 if you narrow the window. It then counts how many landed in each 10% range. Current Conditions is a bell-curve model built from real, live option prices. Its width comes directly from today's option-implied volatility, scaled by the square root of the time horizon. That is a genuine market-priced number, not an assumption. Its center uses a standard expected-return assumption (the risk-free rate plus about 4%), because no price in the market tells us which direction the year goes. The bar heights are the areas under that curve. Both illustrate the market's range, not a forecast of any particular strategy.

Design it. See it. Then talk it through with your adviser.Every picture here is a designed outcome you can build, not a guarantee.