Retirement Stress Test
Your retirement plan was built for normal conditions. We test it against the ones that actually derail retirements — market crashes, inflation shocks, and outliving your expectations.
The biggest risk in retirement is not a bad market year — it is a bad market year in the first three years of retirement. This "sequence-of-returns" risk can permanently impair a corpus that would have recovered fine if the same loss happened ten years later. Most plans never model this.
Sequence-of-returns crash
30–40% market fall in years 1–3 of retirement — the worst possible time for a downturn and the hardest for a corpus to recover from.
Longevity risk
What if you live to 90 or 95 instead of 80? Does your corpus last — or does it run dry just when you need it most?
Inflation shock
Sustained 8–9% inflation instead of the assumed 6%. How deeply does this erode your real purchasing power over 25 years?
- ✔ A written stress-test report with survival probability across all three scenarios
- ✔ Your personalised safe withdrawal rate — how much you can spend each month without running out
- ✔ Identification of the single biggest vulnerability in your current retirement plan
- ✔ Two to three specific, actionable adjustments if the plan shows fragility
- ✔ A 60-minute video call to walk through findings and answer your questions
- ● You are 5–10 years away from retirement and want to validate whether your corpus will hold
- ● You have recently retired and are unsure if your current withdrawal rate is sustainable
- ● A market correction has made you anxious about your retirement corpus
- ● You want a second opinion on a retirement plan you have already built elsewhere
- ● You want to understand what a safe monthly withdrawal from your corpus looks like
— Venkatachalam Ramanathan, Chief Information Officer