What does your score actually mean?
Your Success Score is the percentage of scenarios your plan passed without a shortfall. If 47 out of 50 scenarios passed, your score is 94%. A score of 100% means your plan funded your lifestyle in every single scenario you ran.
1,000 possible outcomes. Per year. Per scenario.
For each year of your plan, Optiml generates 1,000 possible rates of return from real historical data. Worst case, average, and best case are each built from that full distribution, not estimates or assumptions.
How it works
4 steps, start to finish
Your plan is your starting point
The stress test runs on top of your existing Optiml plan, so you are always testing your real financial picture, not a generic projection.
50 scenarios are run automatically
Market crashes, high inflation periods, rising interest rates, lower-than-expected returns, and longevity risk are all modelled across different combinations.
You receive a score and a breakdown
Your Success Score reflects the percentage of scenarios your plan survives. You see which specific scenarios create risk and where your plan holds firm.
Adjust until you are confident
Change your spending targets, tweak your withdrawal strategy, or adjust your CPP timing. Rerun the stress test and watch your score improve as your plan becomes more resilient.
Good to know
Your plan, put under real pressure.
The Success Score runs on top of your completed financial plan. Every scenario is tested against your real accounts, income, withdrawal strategy, and retirement goals. It is not a generic model. It is your actual plan, stress tested against decades of real market history.
What is Success Score?
The Success Score puts your financial plan to the test. Run up to 50 different market scenarios at once, each built from decades of real market history, and see how resilient your plan truly is. Success means exactly one thing: no matter what the rate of return or inflation turns out to be, you still have your desired after-tax income every single year to fund the lifestyle you planned for. No shortfalls. No compromises.
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.
Ready to find out how resilient your plan really is?
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