Retirement Monte Carlo Simulator

You

Current age

Retirement age

Plan to age (end)

Portfolio — Accumulation (100% VWRA)

Current value (S$)

Equity annual return (%)

Equity annual volatility (%)

Retirement Allocation

Equity allocation in retirement (%)

Cash allocation (auto)

Cash annual return (%)

Withdrawal

Monthly withdrawal — today's dollars (S$)

Inflation rate (%)

CPF LIFE — You

Start age

Monthly payout (S$)

CPF LIFE — Wife

Start age (your age when she starts)

Monthly payout (S$)

Part-time Income (Optional)

Monthly income — today's dollars (S$)

From age

To age

Success Rate — Without Part-time

—

portfolio survives to target age across 10,000 simulations

10th PCT
Final Value

—

Median
Final Value

—

90th PCT
Final Value

—

Goal Seek — To achieve 90% success rate

Maximum Safe
Withdrawal Amount

—

at your planned
retirement age

Earliest
Retirement Age

—

at your planned
withdrawal amount

Required Portfolio
at Retirement Age

—

to fund your planned
withdrawal amount

Required Portfolio
Return %

—

at your current
asset allocation

Required Part-time
Income

—

during your specified
part-time period

Work Part-time
Until Age

—

at your entered
income amount

Safe Withdrawal Rate (SWR)

Your SWR

—

your withdrawal ÷
your portfolio

MC Safe SWR

—

MC withdrawal ÷
your portfolio

Net SWR by Phase (Once CPF LIFE Begins)

Pre-CPF

—

Your CPF Only

—

Both CPF

—

Portfolio value over time — percentile paths

90th percentile

Median (50th)

10th percentile