64 lines
2.8 KiB
Markdown
64 lines
2.8 KiB
Markdown
# `zfin projections`
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Retirement projections: percentile bands of your portfolio's projected
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value, a benchmark comparison, and safe-withdrawal dollars at multiple
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horizons and confidence levels.
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```
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Usage: zfin projections [opts]
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```
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Configuration lives in
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[`projections.srf`](../config/projections-srf.md). What the output
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shows (accumulation block, earliest-retirement grid, or drawdown-only)
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depends on which inputs you set -- see
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[Plan for retirement](../../guides/plan-retirement.md) and
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[the model](../../explanation/projections-model.md).
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## Sub-modes (mutually exclusive)
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| Flag | View |
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|---------------------|-----------------------------------------------------------------------|
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| (default) | Percentile bands + benchmark + safe withdrawal. |
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| `--vs <DATE>` | Side-by-side with a historical snapshot's projection. |
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| `--convergence` | The model's predicted retirement date over time. |
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| `--return-backtest` | Expected-return claim vs. realized forward CAGR (pair with `--real`). |
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## Options
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| Flag | Effect |
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|-------------------------|-----------------------------------------------------------------------------------------|
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| `--as-of <DATE>` | Project against a historical snapshot (auto-snaps to nearest earlier). |
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| `--overlay-actuals` | Plot your realized trajectory from `--as-of` to today on the bands. Requires `--as-of`. |
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| `--no-events` | Exclude life events (baseline view). |
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| `--real` | With `--return-backtest`, render CPI-adjusted. |
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| `--export-chart <PATH>` | Render the band chart to a 1920x1080 PNG and exit (default mode only). |
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Dates accept `YYYY-MM-DD` or relative shortcuts (`1W`/`1M`/`1Q`/`1Y`).
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## Example
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```bash
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ZFIN_HOME=examples/pre-retirement-both zfin projections
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```
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```
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Accumulation phase:
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Years until possible retirement: 19 (2046-04-12, ages 65/62)
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Median portfolio at retirement: $7,871,732.10
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Range (10th–90th percentile): $5,807,693.45 to $18,240,675.15
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Safe Withdrawal (FIRECalc historical simulation)
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25 Year 35 Year 50 Year
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99% safe withdrawal $314,920 $293,374 $264,002
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```
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## See also
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- [Plan for retirement](../../guides/plan-retirement.md) -- the guided walkthrough.
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- [`projections.srf` reference](../config/projections-srf.md) -- every input field.
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- [The retirement projection model](../../explanation/projections-model.md) -- the method and caveats.
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---
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[CLI command reference](index.md)
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