50 lines
2.1 KiB
Text
50 lines
2.1 KiB
Text
#!srfv1
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# Pre-retirement projection: both targets configured.
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#
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# Pat (born 1981) and Sam (born 1983) plan to retire at age 65 AND
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# want to spend $80k/yr in retirement. Combined annual contribution:
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# $80k/yr (CPI-adjusted).
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#
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# This file exercises BOTH retirement-planning inputs simultaneously:
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# - Target retirement date (`retirement_age:num:65`) drives the
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# Accumulation phase block — median portfolio at retirement,
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# p10-p90 range. The headline retirement line uses this
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# configured date.
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# - Target spending (`target_spending:num:80000`) drives the
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# Earliest retirement grid — when each (horizon, confidence)
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# pair becomes feasible.
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#
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# Both blocks render back-to-back; the comparison is the value-add
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# (e.g. "you set a target retirement of 2046; at 95% confidence over
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# 30 years you could retire as early as YYYY").
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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 — the older partner's first-to-hit-95 sets the floor
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type::config,horizon_age:num:95
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# Target retirement date: oldest partner (Pat) reaches 65 in 2046
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type::config,retirement_age:num:65
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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
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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 both retirement_age resolution and life-event ages)
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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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