49 lines
2.3 KiB
Text
49 lines
2.3 KiB
Text
#!srfv1
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# Pre-retirement projection: target spending only.
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#
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# Pat (born 1981) and Sam (born 1983) want to spend $80k/yr in
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# retirement (today's dollars, CPI-adjusted). Combined annual
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# contribution while working: $80k/yr.
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#
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# This file exercises the target-spending input - the user has
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# anchored a spending number (`target_spending:num:80000`) but no
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# retirement date. The projections command searches for the
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# earliest accumulation length that sustains that spending at each
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# configured (horizon × confidence) pair, renders the resulting
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# grid, and promotes one cell into the Accumulation phase block as
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# the headline. The default promotion rule prefers an age-of-death
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# (`horizon_age`) column at 99% confidence - the "plan to the last
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# survivor" answer - falling back to the longest numeric horizon that
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# keeps the oldest person under age 100. See
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# `pre-retirement-spending-target/` for the explicit-override variant.
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# Asset allocation target (80% stocks / 20% bonds - typical pre-retirement)
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type::config,target_stock_pct:num:80
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# Distribution-phase horizons to simulate
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type::config,horizon:num:25
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type::config,horizon:num:35
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# Plan through age 95 - anchored on the youngest partner (the last
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# survivor), so the money lasts until they reach 95.
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type::config,horizon_age:num:95
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# Annual household contribution to retirement accounts
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type::config,annual_contribution:num:80000
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type::config,contribution_inflation_adjusted:bool:true
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# Target retirement spending - the projections command searches for
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# the earliest accumulation year at which this spending level is
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# sustainable across each configured (horizon × confidence) pair.
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type::config,target_spending:num:80000
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type::config,target_spending_inflation_adjusted:bool:true
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# Birthdates (drives life-event ages even without a configured retirement date)
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type::birthdate,date::1981-04-12
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type::birthdate,date::1983-09-08,person:num:2
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# Social Security at age 70 (more conservative claim age)
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type::event,name::Social Security (Pat),start_age:num:70,person:num:1,amount:num:38400
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type::event,name::Social Security (Sam),start_age:num:70,person:num:2,amount:num:36000
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# College tuition for the kids - 4-year overlap when Pat is age 50-53
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type::event,name::College Tuition,start_age:num:50,person:num:1,duration:num:4,amount:num:-55000
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