Sequence of Return Risk Simulator

Simulates how different return sequences affect portfolio sustainability.
Monte Carlo toggle: OFF = single deterministic path; ON = thousands of random paths (normal returns).
Withdrawals should be net of income.
Allows adding market shocks at specified years (comma-separated) and adjusts withdrawals for inflation.
Displays success rate/percentiles in Monte Carlo mode, or a single path summary in deterministic mode.

Sequence of Return Risk Simulator BETA

Monte Carlo OFF = single deterministic path

Initial Portfolio ($)

Annual Withdrawal ($)

Expected Return (%)

Volatility (%)

Time Horizon (years)

Number of Simulations

Shock Years (1-X, comma-separated)

Shock Size (%)

Inflation Rate (%)