Surviving the Black Swan
Standard retirement planning often fails over 50-60 year durations due to Sequence of Returns Risk. Based on research, this tool demonstrates how a Variable Withdrawal Strategy—specifically cutting discretionary spending during downturns—mathematically ensures portfolio survival.
Scenario Planner
Adjust your financial parameters to simulate a "Lost Decade" crash at the start of your 60-year retirement.
The portion of your budget you are willing to cut by up to 100% during market crashes.
Fixed (Needs)
₹3.6L
Wants (Flex)
₹2.4L
Simulation: 10-Year Crash Stress Test
Adjusted Annual Spending
Sequence Risk
Over a 60-year retirement, sequence risk is the primary threat. Withdrawing full amounts during a crash creates a hole that growth cannot fill.
Survival Logic
Suspending "Wants" (discretionary spend) for just 2 years during a correction can extend portfolio longevity by 12-15 years.
Duration Guardrails
By removing emotion and using mechanical rules, you can maintain a higher initial withdrawal rate safely across multi-generational horizons.
The Wealth Protocols
Mechanical rules for emotional safety and portfolio success.
The Guardrail Signal
If your Withdrawal Rate rises 20% above the initial target due to a market drop, suspend all Discretionary spending. Maintain this until the market stabilizes.
The Cash Reservoir
Maintain 2 years of "Needs" in cash equivalents. When the equity market drops, fund basic needs from this buffer without selling depreciated stocks. Replenish only in up-market years.