Monte Carlo Retirement ની ગણતરી કેવી રીતે કરવી
Monte Carlo Retirement શું છે?
Monte Carlo retirement planner simulates thousands of market scenarios to estimate success probability of retirement plan.
પગલું દ્વારા પગલું માર્ગદર્શિકા
- 1Input retirement needs, portfolio size, asset allocation, inflation
- 2Simulate 1000+ random market scenarios
- 3Calculate percentage where funds last
Worked Examples
ઇનપુટ
Portfolio $1M, 4% withdrawal, 60/40 allocation
પરિણામ
90% success rate (95% success with 3% withdrawal)
Industry standard approach
Common Mistakes to Avoid
- ✕Using average returns (ignores sequence risk)
- ✕Neglecting inflation adjustments
Frequently Asked Questions
What success rate is adequate?
Academic consensus: 90-95% for 30-year retirement.
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