TIP$TER projects the safe, sustainable retirement budget that a tax-deferred portfolio fully invested in Treasury Invested Protected Securities (TIPS) would support. Then, it projects and compares the volatile range of retirement budgets that a diversified portfolio would support.
 Retirement and Asset Allocation Planner and Monte Carlo Simulator

Testing Investment Portfolio Strategies Toward Early Retirement

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Screenshot of Tipster's charts comparing the retirement expenditures per year and portfolio size per year of a diversified portfolio with a 100%-TIPS portfolio

TIP$TER is a powerful free retirement calculator, planner, and Monte Carlo simulator.  TIP$TER projects the sustainable retirement budget that a tax-deferred portfolio fully invested in Treasury Invested Protected Securities ("TIPS") -- plus other user-anticipated retirement income sources -- would support.  Then -- based on user-predicted values for the annualized equity risk premium and volatility of a "Total Market" portfolio -- TIP$TER simulates and compares the volatile range of retirement budgets that a diversified, rebalanced portfolio would likely support.

Don't just simulate how a portfolio of stocks that repeated historical return patterns would affect your retirement plans. Anchor your equity return expectations in reality.  And compare those projections to a low-risk baseline.  Compare how a safer, annually rebalanced part-TIPS/part-"Total Market" portfolio or an even safer all-TIPS portfolio could improve your retirement security.

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