zfin/examples/post-retirement/projections.srf

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#!srfv1
# Post-retirement projection configuration.
#
# Robin (born 1958) and Jamie (born 1961) are already retired. They
# draw down ~$120k/yr in spending, supplemented by Social Security
# already in pay status.
#
# This file demonstrates the distribution-only mode — no accumulation
# fields are set, no target_spending is set. The "Years until possible
# retirement: none" line will appear in the accumulation block to
# confirm the model isn't projecting any pre-retirement growth.
# Allocation target shifts more conservative in retirement
type::config,target_stock_pct:num:60
# Distribution horizons — through age 90 (older partner first)
type::config,horizon:num:20
type::config,horizon:num:30
type::config,horizon_age:num:95
# Birthdates
type::birthdate,date::1958-02-19
type::birthdate,date::1961-07-04,person:num:2
# Social Security — both already collecting
type::event,name::Social Security (Robin),start_age:num:67,person:num:1,amount:num:34800
type::event,name::Social Security (Jamie),start_age:num:65,person:num:2,amount:num:28200
# Late-life healthcare bump — modeled as a recurring expense starting
# at age 80 for the older partner. Real-world planning would also
# include LTC insurance / Medicaid considerations.
type::event,name::Healthcare (late-life),start_age:num:80,person:num:1,amount:num:-25000