Jinsi ya kukokotoa Monte Carlo Retirement
Monte Carlo Retirement ni nini?
Monte Carlo retirement planner simulates thousands of market scenarios to estimate success probability of retirement plan.
Mwongozo wa Hatua kwa Hatua
- 1Input retirement needs, portfolio size, asset allocation, inflation
- 2Simulate 1000+ random market scenarios
- 3Calculate percentage where funds last
Mifano Iliyotatuliwa
Ingizo
Portfolio $1M, 4% withdrawal, 60/40 allocation
Matokeo
90% success rate (95% success with 3% withdrawal)
Industry standard approach
Makosa ya Kawaida ya Kuepuka
- ✕Using average returns (ignores sequence risk)
- ✕Neglecting inflation adjustments
Maswali yanayoulizwa mara kwa mara
What success rate is adequate?
Academic consensus: 90-95% for 30-year retirement.
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