Your Success Rate
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Run simulation
Boldin Baseline
74%
Boldin MC · Nov 2027 retirement
Portfolio at Retirement
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Median across simulations
Worst-10% End Value
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10th percentile at age 93
P25 Portfolio at Retirement
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25th percentile โ conservative baseline
P25 Safe Withdrawal (3.5% rule)
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Est. sustainable annual draw
Implied SWR %
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vs. median retirement portfolio
Per-Account Return Calibration Reverse-engineered from Boldin export · Average scenario
7.1%
Equity Return
75% of portfolio
75% of portfolio
3.5%
Bond / Bridge Return
25% of portfolio
25% of portfolio
15%
Equity Volatility (σ)
Bonds ~25% as volatile
Bonds ~25% as volatile
5.7%
Blended Portfolio
All accounts
All accounts
Miller dividends ($50K in 2028, declining) tracked separately in Boldin cash flows. Bucket strategy: 3yr bond buffer shields from selling equities in down years.
Portfolio Projection — Monte Carlo Fan ChartShaded = percentile bands · Dashed = Boldin Average deterministic baseline
90th
Median
10th
Boldin Avg
Milestone Checkpoints Success rate = % of simulations still solvent at that year
| Year ยท Age ยท Event | P10 | Median | P90 | Solvent% | Median vs Start |
|---|---|---|---|---|---|
| Run simulation | |||||
Early Retirement Cash Flows (2028–2039)
| Year | Expenses | SS+Divs | Net Draw |
|---|
How this works: Each of 2,000 simulations draws annual returns from a normal distribution. Cash flows come directly from your Boldin export. The Bucket Strategy avoids selling equities in negative-return years. Spending Flex cuts discretionary spending when portfolio drops past the trigger threshold. Upload a new Boldin CSV anytime to refresh all data.