How to Use This Tool

• Simulates how different return sequences affect portfolio sustainability.
• Monte Carlo: OFF = single deterministic path; ON = random paths with success rate and percentile band.
• Defined Duration Buckets: allocates across four time-horizon buckets. Withdrawals waterfall from the shortest bucket first; each year buckets rebalance bottom-up, but the equity bucket only refills the next bucket after a positive return year.
• Allocation Mode: size buckets by Years of spending or by Percent of portfolio.
• Compare Reversed: in deterministic mode, overlays the same shocks flipped to the end of the horizon.
• Withdrawals should be net of income, and inflate each year.

Sequence of Return Risk Simulator BETA