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

Posted: Wed Sep 19, 2018 10:26 am
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

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

Posted: Wed Sep 19, 2018 4:54 pm
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.