38 lines
1.6 KiB
Text
38 lines
1.6 KiB
Text
#!srfv1
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# Pre-retirement projection: target retirement date only.
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#
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# Pat (born 1981) and Sam (born 1983) plan to retire at age 65.
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# Combined annual contribution: $80k/yr (CPI-adjusted).
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#
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# This file exercises the target-retirement-date input — the user
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# has anchored a date (`retirement_age:num:65`) but no target
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# spending. The projections command renders the Accumulation phase
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# block (median portfolio at retirement, p10-p90 range) and the
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# standard Safe Withdrawal table, but no Earliest retirement grid.
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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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# 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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