Portfolio Decumulation Simulator (Variable SWR) Result

High-Fidelity Sample Simulation Result

RESEARCH_GRADE
GENERATED: 2026-08-25
Portfolio Decumulation Simulator (Variable SWR) Result Sample Report
Interpretation Guide

This Monte Carlo simulation compares a 'Fixed' withdrawal strategy against the AlgorithmicFIRE Variable Withdrawal Strategy (VWS). By simulating 500 unique market trajectories, it maps the 'Cone of Uncertainty' to illustrate how VWS preserves capital during downturns while capturing surplus growth during bull markets.

SIMULATION INPUT PARAMETERS
Model Inputs
Core Parameters
Starting Portfolio Balance$1,000,000
Starting Withdrawal Rate5.0% ($50,000/yr)
Retirement Duration30 Years
Flexible Spending Guardrails
Spending Adjustment Factor50%
Max Annual Increase+5.0%
Max Annual Decrease-2.5%
Spending Floor90% ($45,000/yr)
Market Assumptions
Expected Real Return5.8%
Market Volatility (Std Dev)6.1%
Annual Fee Drag0.00%
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