{
  "scenario": {
    "currentAge": 65,
    "retirementAge": 65,
    "endAge": 95,
    "initialSavings": 1000000,
    "monthlyContribution": 0,
    "monthlyWithdrawal": 3333.3333333333335,
    "allocations": [
      0.45,
      0.15,
      0.4,
      0.0,
      0.0
    ],
    "numSimulations": 10000,
    "adjustForInflation": true,
    "correlations_source": "jpmorgan",
    "volatility_source": "jpmorgan"
  },
  "sampling_regime": "pseudo-random (Mersenne Twister)",
  "sources": [
    "jpmorgan",
    "blackrock",
    "vanguard",
    "gmo",
    "schwab",
    "invesco"
  ],
  "results": {
    "jpmorgan": {
      "successRate": 0.9999,
      "successRateCiLow": 0.9994337165442557,
      "successRateCiHigh": 0.999982347780473,
      "percentiles": {
        "p5": 1283882.4414877826,
        "p10": 1680444.7846957427,
        "p25": 2638743.045648799,
        "p50": 4139265.985392478,
        "p75": 6404743.1125575,
        "p90": 9322606.61040084,
        "p95": 11643004.66850562
      },
      "numSimulations": 10000,
      "allocations": [
        0.45,
        0.15,
        0.4,
        0,
        0
      ]
    },
    "blackrock": {
      "successRate": 1,
      "successRateCiLow": 0.9996159875222334,
      "successRateCiHigh": 1,
      "percentiles": {
        "p5": 1304297.4464860393,
        "p10": 1615658.4824469131,
        "p25": 2281556.31064724,
        "p50": 3220606.1352963326,
        "p75": 4549850.882206678,
        "p90": 6064517.017277582,
        "p95": 7185465.449427563
      },
      "numSimulations": 10000,
      "allocations": [
        0.45,
        0.15,
        0.4,
        0,
        0
      ]
    },
    "vanguard": {
      "successRate": 1,
      "successRateCiLow": 0.9996159875222334,
      "successRateCiHigh": 1,
      "percentiles": {
        "p5": 1111288.3820310892,
        "p10": 1390776.324185302,
        "p25": 1983189.385548009,
        "p50": 2818523.0219206926,
        "p75": 4007473.314883387,
        "p90": 5347923.089500415,
        "p95": 6352496.340143422
      },
      "numSimulations": 10000,
      "allocations": [
        0.45,
        0.15,
        0.4,
        0,
        0
      ]
    },
    "gmo": {
      "successRate": 0.9315,
      "successRateCiLow": 0.9263814782953678,
      "successRateCiHigh": 0.9362871189363197,
      "percentiles": {
        "p5": 0,
        "p10": 39982.7608187621,
        "p25": 175848.6342885796,
        "p50": 370656.3549632262,
        "p75": 654280.4827568446,
        "p90": 975831.0172883043,
        "p95": 1224960.70450304
      },
      "numSimulations": 10000,
      "allocations": [
        0.45,
        0.15,
        0.4,
        0,
        0
      ]
    },
    "schwab": {
      "successRate": 1,
      "successRateCiLow": 0.9996159875222334,
      "successRateCiHigh": 1,
      "percentiles": {
        "p5": 1622235.6932122505,
        "p10": 1986010.5361255577,
        "p25": 2769356.255539178,
        "p50": 3876292.6499692556,
        "p75": 5442837.372971185,
        "p90": 7214828.7807938,
        "p95": 8532196.30696176
      },
      "numSimulations": 10000,
      "allocations": [
        0.45,
        0.15,
        0.4,
        0,
        0
      ]
    },
    "invesco": {
      "successRate": 1,
      "successRateCiLow": 0.9996159875222334,
      "successRateCiHigh": 1,
      "percentiles": {
        "p5": 1343720.0116126745,
        "p10": 1662588.5673398233,
        "p25": 2342793.667451945,
        "p50": 3302893.4476441857,
        "p75": 4660360.25186705,
        "p90": 6210168.54689654,
        "p95": 7360389.659596878
      },
      "numSimulations": 10000,
      "allocations": [
        0.45,
        0.15,
        0.4,
        0,
        0
      ]
    }
  },
  "qmc_comparison": {
    "jpmorgan": {
      "qmc": 1,
      "qmc_scrambled": 1,
      "pseudo_random": 0.9999
    },
    "blackrock": {
      "qmc": 1,
      "qmc_scrambled": 1,
      "pseudo_random": 1
    },
    "vanguard": {
      "qmc": 1,
      "qmc_scrambled": 1,
      "pseudo_random": 1
    },
    "gmo": {
      "qmc": 0.9423,
      "qmc_scrambled": 0.9271,
      "pseudo_random": 0.9315
    },
    "schwab": {
      "qmc": 1,
      "qmc_scrambled": 1,
      "pseudo_random": 1
    },
    "invesco": {
      "qmc": 1,
      "qmc_scrambled": 1,
      "pseudo_random": 1
    }
  },
  "generated_at": "2026-05-07",
  "engine_version": "QuantCalc backend 2.0.0",
  "note": "This dataset uses pseudo-random (Mersenne Twister) sampling for accurate tail estimation. The default QMC (Sobol) sampling converges faster on means but underestimates tail probabilities \u2014 qmc_comparison shows the spread.",
  "license": "Data licensed under CC0 \u2014 public domain. Article text under CC-BY 4.0."
}