Know when to adjust
Monitor · stay on track
Know when to adjust
Monitor derives two balance thresholds from your plan. Review them once per year: if your balance exceeds the upper threshold, an increase in spending is supported. If it falls below the lower threshold, reduce spending by 10% until it recovers.
Probability the portfolio lasts to age 95
37%
Median ending balance $0 · modelled market returns
Your guardrails, in dollars
My portfolio is at today.
Raise spending if above
—
The balance at which success probability reaches 99%.
Cut spending if below
$642,197
The balance at which success probability falls to 70%. Reduce spending by 10% until the balance recovers above this line.
These thresholds are derived from the plan above. Review them once per year and adjust spending only when the balance has crossed a threshold.
Annual review checklist
- ☐ Update the portfolio value above with the actual balance.
- ☐ Verify that spending and income still match the Floor module.
- ☐ Revisit the full plan every few years, or after major changes to spending, income, or tax status.
Something changed? Update the shared plan and every module follows.
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