System 01 · Simulation Engine Live · Private Beta
Post-Retirement Simulator
One question, answered honestly: how long does the money last? Not with an average — with thousands of simulated futures, and the plain-language truth about what they show.
Why it exists
An average hides the only number that matters.
Most retirement tools answer a probabilistic question with a single expected value: "your money lasts to age 87." But markets do not deliver averages — they deliver one path, drawn from many, and the order of good and bad years matters as much as their sum. Two retirees with identical savings and identical average returns can end up decades apart, purely on sequence.
The simulator was forged to answer in distributions instead. It walks thousands of simulated futures through the same plan and reports the whole shape of the outcome — including the one number a mean can never show: the probability of running out.
How it works
Five stages, no jargon at the door.
The portfolios inside
Resilient by construction, not by luck.
The simulator does not hand the retiree a blank allocation form. Each plan runs on a pre-built balanced portfolio — globally diversified across asset classes, weighted and stress-tested to hold its shape through the bad orderings, not just the good averages.
The allocations are optimized for resilience across the simulated futures: drawdown behaviour and recovery paths carry as much weight in their construction as expected return. A portfolio that flatters the median but breaks in the tail does not ship.
What it declines to do
Expensive because of what it leaves out.
The simulator sells nothing and recommends no products. It answers the question and stops.
Every figure is a simulation, labelled as one. Assumptions are printed with the results, never behind them.
If a plan fails in a third of futures, the page says so — in words, above the fold, before the charts.