Viewing profile — nhootan

Exactly right, it's GDPR, not specific to France. Working on it ...

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That's a great feedback. I think I can add these scenarios as new features to the life events section. I have also thought of allowing to specify correlation between income and mar…

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The sign in is required for detailed plans to save the plans. Those plans also incure real comupte on the server. QC results are based on a cache in the browser and don't need sign…

The Germany's data is in since 1901, but there is a gap between 1922-1923, cause the underlying dataset, DMS, has no bonds data for that period.

Glad it ran, but the numbers aren't US. Once you login, "Other, rest of world" gives you a gross projection with tax and benefits off. The returns come from the same 25 country boo…

Your last paragraph is why I did using MC simulations based on credible data. Once you pick a return and a volatility, the output just restates your inputs and you can't tell a wro…

Sorry, that's the EU account gate rather than a geoblock. You can browse and run the Quick Check from anywhere except Quebec, but account creation is blocked in the EU/EEA/UK/CH, s…

Thanks, that's most of why I built it. A US only backtest is one draw where you already know who won. This is 25 countries over 125 years, block bootstrapped with the domestic coun…

It's Bill 96 and Law 25. No French UI yet, so blocking beats being non compliant. It's near the top of the list.

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The timing half is there: CPP/OAS or Social Security start ages, and pension start and end ages, so claiming at 62 versus deferring is something you can run both ways today. Draw o…

That's in the full planner, just not the Quick Check. Horizons are sampled per person from actuarial mortality tables, so you get a distribution of lifespans rather than one guesse…

Fair, and it's the part I'm least settled on. The account exists because the full plan is a server side run that gets stored, not to build a mailing list. Being straight about it: …

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That result is right. The Quick Check takes a withdrawal rate, not a dollar amount, and runs with taxes off, so it's scale invariant: $1M at 4% and $3M at 4% are the same simulatio…

I got tired of retirement calculators that either assume one fixed return forever, or run Monte Carlo by pulling each year independently out of a bell curve. Real markets don't beh…