Time Horizons
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Withdrawals
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Portfolio & Annual Returns
Actual avg: +7.00% · Target avg: +7.00%
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Base Case: $2,236,919
Asset Allocation by Life Stage
Adjust stock/bond mix for each age group. Expected return and volatility update automatically for every stage.
| Stage | Typical Age | Allocation | StocksThe percentage of the portfolio invested in equities. Higher stock allocation generally increases both expected return and volatility. | BondsThe percentage of the portfolio invested in fixed income. Higher bond allocation generally lowers expected return and reduces volatility. | Exp. ReturnThe estimated annual return for that allocation mix, based on interpolated historical assumptions. | Std DevStandard deviation measures annual volatility. Higher values mean returns tend to swing more widely from year to year. |
|---|---|---|---|---|---|---|
| Aggressive Growth | 20–35 | 90% | 10% | +9.80% | ±15.50% | |
| Growth | 35–45 | 80% | 20% | +9.00% | ±13.70% | |
| Moderate Growth | 45–55 | 70% | 30% | +8.20% | ±11.90% | |
| Balanced | 55–62 | 60% | 40% | +7.40% | ±10.10% | |
| Conservative | 62–70 | 50% | 50% | +6.60% | ±8.50% | |
| Income | 70+ | 40% | 60% | +5.80% | ±7.20% |
* Based on historical US market data (1926–2023). Past performance does not guarantee future results. Expected returns are nominal annualized figures. Standard deviation reflects annual portfolio volatility.
Monte Carlo Analysis
1,000 simulations · randomized return sequences
100.0%
of simulations end with money remaining
Your plan survives the vast majority of market scenarios.
Median Final Balance
$2,266,023
50th percentile outcome
Worst-Case Balance
$1,102,006
10th percentile · poor-market scenario
Best-Case Balance
$4,189,762
90th percentile · strong-market scenario
Financial Plan Report
Base Case · personalized analysis
This plan spans 30 years. Starting with $1,000,000, the plan projects an ending balance of $2,236,919 under average market conditions. Across 1,000 randomized market simulations, 100.0% end with funds remaining.
Risks
No significant risks identified for this plan.
Opportunities
Robust Plan Foundation
A 100.0% success rate means your plan withstands the vast majority of historical and simulated market cycles, including crashes and prolonged downturns.
Legacy Wealth Potential
Your median projected ending balance of $2,266,023 suggests meaningful wealth accumulation beyond your own needs — potential for estate planning, charitable giving, or generational transfer.
Spending Flexibility
Your plan's strong success rate leaves room to increase discretionary spending above your current $40,000/yr baseline without meaningfully compromising long-term sustainability.
Strong Market Upside
In the top 10% of market scenarios your portfolio ends at $4,189,762 — nearly 2× the median outcome — illustrating the upside from sustained strong market performance.
Bottom line: Your plan is on solid footing. Focus on maintaining discipline through market volatility and revisiting allocations as you approach retirement.