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