Capital Split & Drawdown Resilience Simulator

Allocation Strategy:

Living Needs: $3,500/mo

Monthly Cashflow Engine

Monthly Take-Home Income $6,500

Essential Monthly Needs $3,500

Monthly Net Surplus: $3,000

Surplus Allocated to Cash Buffer 40% ($1,200)

0% (All Invested) 100% (All Cash)

Liquid Cash Reserve $24,000

Near-Term Project Goal $10,000

Compounding Equity Portfolio $75,000

Three-Bucket Architecture Grounded in Quora Capital Protection

1. Emergency Liquidity

$24,000

6.9 Months Essential Runway

2. Near-Term Project Reserve

$10,000

Home renovation & concrete reserve

3. Compounding Core

$75,000

At risk for compounding growth

10-Year Purchasing Power Projection (Cash Drag vs Equity Growth) 3% Inflation | 7.5% Real Return

Liquidity Runway

6.9 mos

Cash Drag (10-Yr Inflation)

-$6,204

10-Yr Equity Target

$398,520

Drawdown Cushion

Fully Protected

Drawdown & Shock Resilience Engine

Trigger real-life financial shocks. See if your liquidity buffer prevents panic-selling equity capital during market bottoms.

Baseline Resilient: Total liquid reserves ($34,000) insulate compounding equities ($75,000). You will not be forced to liquidate depressed stocks to fund living expenses.

Capital Allocation Policy Statement (APS)

Formal rules governing when cash may be invested and when equities must remain untouched.