05 / RETIREMENT STRESS TEST

Stress-test your retirement plan before the market tests it.

Connect your financial accounts and ask Linc how market drops, inflation, spending, and different retirement dates change your plan. See the numbers and assumptions behind every answer.

Model an early market drop
Change inflation and spending
Try different retirement dates

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LSAMPLE DECISIONILLUSTRATIVE

What if stocks fall 25% early in retirement and inflation stays high?

THE SHORT ANSWER

The plan still works—but the margin gets much thinner.

See the assumptions

The biggest risk is selling investments while markets are down. More cash and fewer concentrated bets make the retirement plan safer.

MARKET DROP−25%CASH BUFFER14 moPLAN RESULTStill works

∑ Open Show the Math to see the numbers behind the answer.

WHAT MOVES THE ANSWER

Change one thing. See what happens.

Market downturns

See what an early market drop does to withdrawals and how long the plan lasts.

Inflation and spending

Test how higher prices and different spending levels change the retirement margin.

Retirement date

Compare retiring earlier or later without rebuilding the plan from scratch.

WHAT LINC CHECKS FIRST

The numbers that can change the answer.

Connected accountsRetirement spendingRates + inflationHistorical returnsYour holdings

START WITH THE DECISION

Bring your retirement stress test question to Linc.

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