python
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#Programming #Python #finance #stocks #portfolio
Description:
Simulate your F.I.R.E. (Financial Independence, Retire Early) portfolio using Monte Carlo simulation and the 4% rule.
This Python program is a retirement portfolio stress test designed for FIRE (Financial Independence, Retire Early) planning. It uses Monte Carlo simulation to model 1,000 possible market scenarios over a 30-year retirement horizon, helping users assess whether their portfolio can sustain annual withdrawals without running out of money.
Features:
-Monte Carlo engine: Runs 1,000 randomized simulations over 30 years.
-Annual portfolio rebalancing: Applies weighted returns from stocks, bonds, and cash.
-Spending drawdown logic: Deducts fixed annual withdrawals from portfolio balance.
-Early termination: Stops simulation if portfolio hits zero before 30 years.
Realistic assumptions:
-Stocks: 8% return, 15% volatility
-Bonds: 3% return, 5% volatility
-Cash: 1% return, 1% volatility
Disclaimer: The material in this video is purely for educational purposes and should not be taken as professional investment advice. Invest at your own discretion.
Links:
4% Rule:
Trinity Study:
Trinity Study Simulation:
Note: In the video I misspelled withdrawal rate, but hopefully that doesn't bother anyone or stop you from enjoying the video :)
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2025/10/03
youtube
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