Sequence of Returns Simulator

A market crash in your first 5 years of retirement is the biggest risk to your portfolio longevity. Use this simulator to see how a "Cash Tent" can save you.

Initial Portfolio

Annual Spending

Market Crash (Year 1)-30%

Simulates a major downturn right after you retire.

Cash Tent Size3 Years

Years of spending kept in cash to avoid selling stocks during a crash.
Tent Value: $120,000

No Protection

Ending Balance

With Cash Tent

No difference

* Assumption: Market recovers at 7% annually after the initial crash. Cash yields 0% real return.