Retirement Strategy Backtester

Stock/Bond Allocation (%)

70% Stocks, 30% Bonds Historical avg: ~6.5% bonds, ~10.5% stocks

Initial Portfolio

Target Withdrawal Rate (%)

Retirement Duration (Years)

Failure Criteria

Preserve Real Value Conservative

Portfolio must be worth more than initial investment (inflation-adjusted). Ensures you don't lose purchasing power over retirement.

Avoid Bankruptcy Lenient

Portfolio just needs to be above zero at the end. More lenient approach that focuses on avoiding complete depletion.

Max Annual Change (+/- %)

Smoothing Period (Years)

Work Shield Trigger (Market Drop > X%)

Withdrawal Strategy

Retirement Strategy Backtester 🚀