Pension Drawdown Monte Carlo Simulation. for. Example Client. Created by Mark Barden Vision West and Wales
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1 Pension Drawdown Monte Carlo Simulation for Example Client Created by Mark Barden Vision West and Wales 11/10/2017. Created by Mark Barden Page 1/17
2 Introduction The following report contains a Pension Drawdown Monte Carlo Simulation. This forecast runs thousands of simulations based on your attitude to investment risk and historic growth rates, in order to determine the likelihood of you reaching a certain financial goal with a single pension pot. Throughout this forecast several assumptions have been used, including future growth rates and inflation rates as well as an asset allocation for your pension pot based on your attitude to risk. Also, the following report has made assumptions based on your expected withdrawals from this pension over time. All assumptions made in this forecast should be regularly reviewed, in order to ensure you remain on track to achieve your financial objectives. All outputs shown in this report are displayed in today's terms and have been adjusted to take into account the effect of inflation. Overview Forecasts included: - 150,000 Pot Cautious Risk - 150,000 Pot Moderate Risk - 150,000 Pot High Risk 11/10/2017. Created by Mark Barden Page 2/17
3 Forecast: 150,000 Pot Cautious Risk Assumptions: Income to draw down Current pot size: 150,000 Pot should not drop below: 0 Client risk profile: 2 Annual adviser fee and product charges: 1.1% Simulation end age: 99 Start Age End Age Amount Inflation Rate Adjusted (Monthly) Default Yes 11/10/2017. Created by Mark Barden Page 3/17
4 Forecast: 150,000 Pot Cautious Risk 11/10/2017. Created by Mark Barden Page 4/17
5 Forecast: 150,000 Pot Cautious Risk 18.7% of simulations stayed above 0 Key: Optimistic Average Pessimistic Threshold 11/10/2017. Created by Mark Barden Page 5/17
6 Forecast: 150,000 Pot Cautious Risk Simulated Pot Values (Displayed On Graph) Age Optimistic Average Pessimistic , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,574 94, , ,104 88, ,012 98,974 83, ,174 93,292 77, ,922 87,750 71, ,876 82,387 66, ,064 76,201 60, ,668 70,627 55, ,604 65,503 49, ,579 59,517 44,028 11/10/2017. Created by Mark Barden Page 6/17
7 85 73,531 54,238 37, ,664 48,419 31, ,181 42,342 26, ,672 37,054 20, ,101 30,699 14, ,678 25,189 8, ,395 19,477 2, ,955 13, ,614 7, ,246 1, , , , /10/2017. Created by Mark Barden Page 7/17
8 Forecast: 150,000 Pot Moderate Risk Assumptions: Income to draw down Current pot size: 150,000 Pot should not drop below: 0 Client risk profile: 5 Annual adviser fee and product charges: 1.1% Simulation end age: 99 Start Age End Age Amount Inflation Rate Adjusted (Monthly) Default Yes 11/10/2017. Created by Mark Barden Page 8/17
9 Forecast: 150,000 Pot Moderate Risk 11/10/2017. Created by Mark Barden Page 9/17
10 Forecast: 150,000 Pot Moderate Risk 74.2% of simulations stayed above 0 Key: Optimistic Average Pessimistic Threshold 11/10/2017. Created by Mark Barden Page 10/17
11 Forecast: 150,000 Pot Moderate Risk Simulated Pot Values (Displayed On Graph) Age Optimistic Average Pessimistic , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,527 99, , ,758 95, , ,991 92, , ,639 87, , ,231 82, , ,222 77,972 11/10/2017. Created by Mark Barden Page 11/17
12 85 238, ,758 73, , ,461 67, , ,889 63, , ,283 59, , ,704 53, , ,086 48, , ,208 41, , ,484 36, , ,307 31, , ,359 25, , ,053 19, , ,166 13, , ,130 8, ,353 96,124 2, ,192 93, /10/2017. Created by Mark Barden Page 12/17
13 Forecast: 150,000 Pot High Risk Assumptions: Income to draw down Current pot size: 150,000 Pot should not drop below: 0 Client risk profile: 8 Annual adviser fee and product charges: 1.1% Simulation end age: 99 Start Age End Age Amount Inflation Rate Adjusted (Monthly) Default Yes 11/10/2017. Created by Mark Barden Page 13/17
14 Forecast: 150,000 Pot High Risk 11/10/2017. Created by Mark Barden Page 14/17
15 Forecast: 150,000 Pot High Risk 90.3% of simulations stayed above 0 Key: Optimistic Average Pessimistic Threshold 11/10/2017. Created by Mark Barden Page 15/17
16 Forecast: 150,000 Pot High Risk Simulated Pot Values (Displayed On Graph) Age Optimistic Average Pessimistic , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,222 11/10/2017. Created by Mark Barden Page 16/17
17 85 727, , , , , , , , , , , , , , , , , , , , , ,022, , , ,090, , , ,110, , , ,172, , , ,279, , , ,346, , , ,337, , , ,421, , ,481 11/10/2017. Created by Mark Barden Page 17/17
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