Lyf Pay vs Monkey with a Dart

After more than 8 years of operation, our company will cease operations in the coming months. This decision affects the Lyf Pay app, whose services will be phased out by June 1, 2026.

In 1973, economist Burton Malkiel wrote that "a blindfolded monkey throwing darts at a newspaper's financial pages could select a portfolio that would do just as well as one carefully selected by experts." Wall Street laughed. The monkey kept winning. Now it's your turn. Monkey with a Dart lets you build your own stock portfolio from the S&P 500 and pit it against a randomly-selected monkey portfolio and the S&P 500 index — in real time. PICK YOUR STOCKS Choose from the full S&P 500 universe. Allocate your $100,000 of fictional capital however you like — go concentrated or spread it wide. COMPETE LIVE The monkey mirrors your allocation percentages exactly, but picks random stocks you don't hold. Watch the leaderboard update with live Yahoo Finance prices during market hours. START FROM TODAY OR THE PAST Run a live competition starting today, or backtest from any date as far back as January 2010. See how your instincts would have performed through bull runs, crashes, and everything in between. TRACK EVERYTHING Full portfolio history, position-by-position breakdowns, sector analysis, and performance charts. Know exactly where you're winning — and where the monkey is embarrassing you. MANAGE MULTIPLE PORTFOLIOS Test different strategies side by side. Switch between portfolios on the leaderboard and compare approaches over time. No account needed. No real money. Just your stock picks versus a monkey and the market. Malkiel's monkey has had a 50-year head start. Think you can catch up?