What happens if the market drops early in retirement?
This simulator uses your MRI data to compare market-only income risk against lifetime guaranteed income logic. It shows how a crash and bad early sequence can shorten income when fixed bills are left exposed.
Your Initial MRI Preview
Based on the information entered, the engine has enough to identify whether fixed monthly bills may need a deeper guaranteed lifetime income review. The exact income gap, crash result, runout estimate, chart, and full report are unlocked after the review form.
Income Floor Check
Gap Review Needed
Your fixed-bill income floor is compared with guaranteed income already in place.
Stress Test Used
30% Crash
The preview uses a fixed 30% first-year market shock plus two unfavorable early-return years.
Market Risk Concern
Sequence Risk
Early losses plus withdrawals can shorten how long market-funded income lasts.
Next Step
Full MRI Report
Unlock the personalized numbers and report so WPA can review available options.
Why This Matters
Market-funded path
The missing bill money is pulled from investments using a hypothetical 5% growth rate and a 3.5% to 4% withdrawal planning range. If losses happen early, the account can be drained while income is still needed.
Lifetime guaranteed path
The missing bill money is reviewed using the 8% simple growth and 7% lifetime income benchmark, so the fixed-bill paycheck is designed to keep paying for life.
Full MRI Review Includes
- Exact fixed-bill income gap calculation
- Guaranteed lifetime income review for the uncovered fixed overhead bills
- Multiple options may exist and should be reviewed directly with WPA, not displayed in the public engine
- How much savings may need to be reviewed for income protection
- What can stay in market-based choices that are not guaranteed
Contact information is requested on the next step so WPA can review the guaranteed lifetime income gap and discuss available options.