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Portfolio Projections

Visualize how your portfolio evolves over time under different scenarios using 94 years of monthly historical market data (1928-2021) - providing 11.8x more data points than traditional annual analysis.

Historical scenarios for education only — not investment advice; future markets may behave differently.

Portfolio Parameters
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Off = fixed dollar withdrawals, which look safer because spending shrinks in real terms over time. (Separate from the chart's nominal/inflation-adjusted display toggle, which only changes the units shown.)
Key Insights
Portfolio Evolution:

See how your portfolio value changes over a 30-year retirement using real historical market data.

Best vs Worst:

Compare outcomes from the most and least favorable market sequences.

Inflation Impact:

Toggle between nominal dollars and purchasing power to see real wealth changes.

Scenario Interpretation:

Best case shows longest portfolio survival, worst case shows fastest depletion. At sustainable withdrawal rates, all scenarios succeed; at extreme rates, you'll see portfolio depletion patterns.

Planning Tips
  • Higher stock allocations increase both potential gains and volatility
  • Pay attention to portfolio survival times in failed scenarios for risk assessment
  • Use nominal vs. inflation-adjusted toggle to understand purchasing power impact
  • Median outcomes provide realistic expectations for planning
  • Consider reducing withdrawal rates if worst-case scenarios show early portfolio depletion