Retirement Calc SWP ver 3
A Monte Carlo Simulation with FIFO Lot Tracking and Withdrawal Waterfall.
Simulation Parameters
Expected Returns & Volatility (Annual %)
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Deterministic Stress Test Parameters (Applies to Equity Only)
These settings only apply to the **Deterministic Yearly Summary** below and override the average returns for **LAE and MAE** during the specified periods.
Applied as a single event in the drop month.
Applied to LAE/MAE only.
Recurring Portfolio Additions (SIP / Lumpsum)
| Amount (Rs.) | Start Month | Frequency | Target Fund | Action |
|---|
Lumpsum Withdrawals
| Amount (Rs.) | Start Month | Frequency | Source Fund | Action |
|---|
Systematic Withdrawal Plan (SWP) & STP
SWP (Waterfall: Debt → LAE → MAE)
Note: Source fund is fixed by Waterfall Hierarchy.
Systematic Transfer Plan (STP)
The remaining % goes to MAE. STPs are tax-free.
Scenario Toggles
Monte Carlo Simulation Results
Initial Corpus: Rs. 0
Total Lumpsum Withdrawn (Deterministic): Rs. 0
Final Remaining Corpus (Deterministic): Rs. 0
Total Taxes Paid (Deterministic): Rs. 0
⚠️ Sequence of Return Risk Analysis
Success Rate (Portfolio not depleted): 0%
This means 0 out of 5000 simulated scenarios resulted in a positive final corpus.
| Scenario | Nominal Remaining Corpus | Inflation-Adjusted Corpus |
|---|
Deterministic Yearly Summary (With Stress Test Applied)
| Year | Nominal Withdrawal | Needed to Beat Inflation | From Debt | From Equity | Debt Remaining | LAE Remaining | MAE Remaining | Taxes Paid (Yearly) | Total Remaining |
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