Monte Carlo

US Market Pre-marketClose snapshot

Monte Carlo Simulation

Simulate thousands of random paths from the portfolio’s historical distribution to evaluate long-term sustainability and terminal-value spread.

Historical sample from

Horizon30 yrs

5 yrs75 years

Simulations2,000

Initial amount ($)

Annual withdrawal ($)

Adjust withdrawals for inflation

Inflation mean (%/yr)

Inflation volatility (%)

0 = constant inflation path; higher values draw a random inflation path from a deterministic seed.

Initial withdrawal rate 4.0%withdrawals then grow 2.5% a year with inflation