Retirement Monte Carlo Simulation

Operating Manual: Balanced VAS/VGS/VAF Portfolio & BILL ETF Buffer.

Portfolio & BILL ETF Buffer

Total Starting Assets ($)

$2.64M

Initial BILL Buffer (Years of Spend)

3.0

Target End Buffer (Years of Spend)

1.0

Buffer Transition Period (Years)

10y

Spending Guardrails

Target Annual Spend ($)

$80k

Spending Floor ($)

$70k

Spending Ceiling ($)

$100k

Avg. Inflation (CPI %)

2.8%

Investment Mix (Must = 100%)

VAS (Aus) 30%

VGS (Intl) 40%

VAF (Bonds) 30%

Total Allocation: 100%

Sequence of Returns Risk

Simulate Crash (-15%)

Crash Start Year

Yr 1

Crash Duration

2y