Chance of success
Will the money outlast you?
Questions
- What is a Monte Carlo retirement simulation?
- It runs your plan through hundreds of randomized market futures instead of one fixed return, so you see the range of outcomes and how often the money lasts, not a single optimistic line.
- What counts as a good chance of success?
- Many Canadian planners treat eighty to ninety per cent as comfortable. Below that, you adjust spending, savings, or retirement age and watch the gauge respond.
- Does it use current CPP and OAS rules?
- Yes. The projection applies the 2026 CPP and OAS amounts and the OAS clawback thresholds, so the result reflects Canadian benefits, not a generic US model.