嫺人退休導航 vs Stock Backtest

多數退休工具算到退休那天就結束了！但嫺人退休導航不一樣，讓還在準備的人，看「每月要存多少才達標」；已經退休的人，看「這個月可以安心花多少」。 填三件事，五分鐘就有答案。 【你不敢算的，我們幫你算】 很多人不敢算退休金，怕算出來嚇到自己。填完生活費、勞保勞退、手上的資產，5 分鐘就看到退休準備達成率、還差多少、每月要存多少才追得上。 【退休最怕的不是股災，是沒先想過】 1000 種市況的壓力測試，股災、長壽、通膨、大病、超支，一人一顆按鈕。按下去，成功率當場重算，還告訴你錢會在幾歲用完。 不相信預設情境？資產、支出、通膨、報酬率四根拉桿自己拉，模擬到 100 歲都可以。心裡那個「萬一」，都能輸給它算。 【我們不會只留一個紅字給你】 成功率變紅的時候，畫面同時給你出路——晚退兩年值多少、少花一點差多少，數字當場變。每個決定的代價，看得清清楚楚。 【錢分三桶，它幫你分好】 三桶金不是分散投資，是依「什麼時候會用到」把錢分工：安心桶擋住眼前的生活費，跌了不必賣股；穩定桶接住中期；增值桶留給時間長大。 APP 自動把你的資產分類、算出該搬多少、可以分幾次搬。比例跑掉了，它會提醒你回來調。 【退休後，才是下半場的開始】 已經退休的人打開看到的不是進度條，是「這個月可以安心花多少」。 連年金空窗期都算了——60 歲退休、勞保 65 歲才開始領，中間那幾年得靠自己撐，這筆錢先幫你算好。退休花費也不是一條直線，活力期、緩活期、照護期各自要準備多少，一次算到位。 【每一筆怎麼算的，全部攤開】 它不是黑盒子。目標金額怎麼來的逐列攤開，用了什麼假設也寫在畫面上。 不推薦任何個股或基金，只做規劃與檢查。你的資料只存在自己的手機裡。成功率是機率模擬，使用歷史資料，不能保證未來。 搭配《幸福退休實作課：找回人生下半場的掌握感》提供，課程完整教你算缺口、配三桶金、設定提領規則與定期校正。

$500 a month in TQQQ for 10 years, starting with $500: on past prices from January 2016 to December 2025, with $60,500 paid in, this app's backtest ends at $438K. That is a past result. The same screen shows how far it fell on the way. BacktestLab runs that kind of question on past prices. Put monthly investing next to a single lump sum, or one portfolio next to another, and read them side by side. ■ Whole shares only Many calculators assume fractional shares. This one does not. It buys only the whole shares that the day's price allowed and carries the leftover cash forward. ■ Dividends, reinvested or kept Dividends arrive as cash on the payment date. Reinvest them to buy shares again at that day's price, or keep them as cash and see them counted separately from the final value. ■ Risk next to the return Maximum drawdown, the drawdown chart and named crisis windows sit in the result next to the final value. ■ Build a portfolio Up to ten weighted assets. Choose a rebalancing interval and the original weights are restored on that schedule. ■ Compare Two portfolios over the same period, under the same conditions, side by side. ■ The next 10 years, as an assumption Continue a result with an annual return you enter yourself. It is drawn as an assumption, not as a measurement. ――― This app is a calculator based on past data. It is not investment advice, and past results do not indicate future returns. Taxes and trading fees are not included. No account is created. Calculations run on your device, and your portfolios and saved runs stay there. Available in English and Korean.