Scenarios built from real market history

Based on your portfolio allocation, Optiml generates historical growth rates tailored to your specific mix of stocks, bonds, cash, and real estate. Each scenario draws from decades of real data including the S&P 500, TSX, bonds, and GICs. Every time you run the Success Score, a new set of scenarios is generated, so you are always testing against realistic and varied market conditions.

What worst case, average, and best case actually mean

For each year of your plan, Optiml generates 1,000 possible rates of return based on historical data. Worst case takes the lowest return from those 1,000 outcomes for each year. Best case takes the highest. Average takes the mean across all 1,000. These are then used to build three distinct return series that run your full plan from start to finish, so you can see how your retirement holds up across the full spectrum of market conditions.

Auto-generate, customize, or build your own

Optiml can automatically generate up to 50 scenarios for you, each applying a different combination of growth rates and inflation assumptions. You can leave them as generated, edit individual scenarios, or build entirely custom ones with your own assumptions. You can also save your scenario sets to your profile and reuse them across different financial plans for a consistent comparison.

Identify the gaps and strengthen your plan

A score below what you want is not a dead end. It is information. You can see exactly which scenarios caused a shortfall, adjust your spending targets, refine your withdrawal strategy, or explore a different planning strategy, then rerun the Success Score to see how your changes move the number. Build confidence by iterating until the score reflects the security you need.