Analysis Guide

Does the S&P 500 benchmark look higher than your portfolio? While benchmarks show high returns, they come with **extreme volatility (18%+)**, an uncalculated 'risk'. In a real crisis, if your assets are halved, the probability of an **'income cliff'** is much higher with the benchmark. Our goal is not to be #1, but to ensure a **safe retirement that survives any crash.**

This simulation assumes zero correlation (independent trials) between assets for a conservative estimate. In practice, the negative correlation between stocks and bonds may further stabilize the portfolio.