Simulation setup - force it to use savings when market goes negative - How?

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herbsims
Posts: 5
Joined: Mon Sep 17, 2018 10:25 am

Simulation setup - force it to use savings when market goes negative - How?

Post by herbsims »

OK, here is a scenario that I want to explore.

Let's assume that I have a savings account (taxed) that during down years on the simulation where the market goes negative I force the simulation to pull money out of a savings account to make up for the missing 401(k) funds that I would normally use and not withdraw from the 401(k) until the market recovered. I would do this until the savings is depleted and then just take the hits on the 401(k).

Is there a way to set that scenario up?

Thanks

Herb
jimr
Posts: 821
Joined: Thu Feb 28, 2008 6:48 pm

Re: Simulation setup - force it to use savings when market goes negative - How?

Post by jimr »

I can't think of a way to get the planner to simulate this. The code doesn't offer any decision-capability at that level of granularity and detail inside the simulation other than the spending policy decision rule.
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