Side-by-side comparison of the five preset strategies using the requested health-aware spending curve (start → peak → sustain → taper). Target peak = $200K/yr post-tax (inflation-adjusted). Spend floor = max(curve, bare necessities + $10K, post-retirement healthcare, complete itemized spend); an additional nest-egg guard equals final-year healthcare cost.
Monte Carlo uses 200 seeded, repeatable paths with 9%/18% self-managed and 9%/12% employer-account mean/volatility defaults. Historical tests use every complete rolling 1928–2025 path long enough for the full model horizon, with annual 80/20 and 60/40 stock/Treasury returns normalized to the configured 9%/9% means. A pass means no depletion and every LCS year fully funds the requested curve. These are stress tests, not guarantees.
Scenario consistency: the primary strategy chart mirrors the Planner's configured retirement/quit scenario. The comparison KPIs, outcome table, strategy cards, and withdrawal-rate chart use each strategy's own earliest deterministic quit-age simulation shown above. The ramp-up chart remains an intentional sweep across all candidate ages.
Read each curve left → right: the percentage of years in the single deterministic projection that meet your spending target. This is not a probability or confidence score. Where the curve reaches every modeled year = the earliest deterministic age shown in the summary card.
"First-yr post-tax" = achieved post-tax spend in the first LCS spend year. "Avg post-tax" = mean post-tax spend across all LCS spend years. "Hit target" = % of LCS spend years that hit the health-aware curve target (start→peak→floor, inflation-adjusted). "Final pool" = remaining portfolio at model end after all spending, using the same earliest quit age displayed on that strategy card.
Withdrawal rate = net portfolio need ÷ total pool at the start of the LCS spend year. The dashed 4% line is only a reference; the requested spending curve, income offsets, taxes, and sequence-risk tests determine whether a plan passes.