Run Monte Carlo simulations on a retirement portfolio
Poster used Claude to rebuild their retirement portfolio and test sequence-of-returns risk by inserting past bear markets into growth paths.
What they did
The poster says they rebuilt their retirement portfolio in Claude and had it model a 60:40 allocation over 15 to 20 years, using a 6% baseline path while randomly inserting two or three historical bear markets, then layering in one-time home-improvement costs. In comments, they add that they first mapped a month-by-month budget to stabilize recurring expenses and drawdowns, and that Claude split fixed-income and stock components; the human role was framing the assumptions and considering whether to validate it with a Fidelity advisor.
How it went
The poster says the exercise supported their thesis that projected expenses and income would likely cover 20-plus years. The thread’s main limitation was trust: multiple commenters warned not to rely on Claude’s raw outputs without validating the model or having it produce code or spreadsheet formulas first.
Worth knowing
One commenter pointed to dedicated retirement-planning tools at about $120 per year, but the poster’s own setup included no stated cost or runtime.
Labels
Poster used Claude to rebuild their retirement portfolio and test sequence-of-returns risk by inserting past bear markets into growth paths.
The poster says they rebuilt their retirement portfolio in Claude
had it model a 60:40 allocation over 15 to 20 years, using a 6% baseline path while randomly inserting two or three historical bear markets, then layering in one-time home-improvement costs.
Claude split fixed-income and stock components
The poster says they rebuilt their retirement portfolio in Claude
The “Material” label failed its quality check and is not used for selection.
Details
- Agents
- Claude
- Source
- Source date
- Sep 9, 2026
- Accounts
- 1
- In registry since
- Oct 12, 2026