GOE’s estimated probability to achieve the goal target wealth.

GOE’s estimated probability to remain above the loss threshold amount by the end of the goal tenure.

This probability refers to the goal probability simulation results. This parameter uses a random variable, and each run returns a slightly different result.

Like the p-delta goal probability, this is only used for simulation purposes. It simulates the goal's loss threshold probability.

GOE's current recommended portfolio index.

Checks if goal probability is more than the target probability corresponding to the goal priority – Target probabilities for all goal priorities (Need, Want, Wish and Dream) are set in the GOE config.

To understand if the goal can be met with a reasonable probability (set by the ‘unrealistic’ goal probability value in the GOE config). If current goal probability < desired target goal probability (defined by the goal priority), the goal is termed unrealistic.

Checks if loss probability is more than the target loss probability (target set in the GOE config).

Suggested one-time top-up amount that aims to improve the goal probability to meet the target goal probability.

Suggested recurring yearly top-up amount that aims to improve the goal probability to meet the target goal probability.

Suggested recurring monthly top-up amount that aims to improve the goal probability to meet the target goal probability.

Suggested recurring yearly decumulation amount that aims to improve the goal probability to meet the target goal probability.

Suggested recurring monthly decumulation amount that aims to improve the goal probability to meet the target goal probability, this value would be populated only in cases of decumulation of withdrawal scenario.

For scenarios with goal probability less than 50%: • If original tenure between 1 - 8 years – extended/reduced tenure 2 years to 4 years • If original tenure between 9 – 14 years – extended/reduced tenure 4 years to 8 years • If original tenure greater than equal to 15 years – extended/reduced tenure 5 years to 10 years. For scenarios with goal probability greater than or equal to 50%, extended/reduced tenure = 2 years to 4 years for all cases. The algorithm recommends standard tenure increments/decrements based on the tenure input and the goal probability (calculated using current and end date). Cases where tenure recommendation isn’t valid/required will show the recommendation as NA. For retirement cases, where there is accumulation followed by decumulation, the extension is based on years to retirement and not on original tenure. For regular and pure decumulation cases, the recommendations are based on original tenure.

Message flagging an expected bankruptcy (goal running out of money) in any year.

If the target wealth were to be reduced by 25% of thedifference between the target and the current wealth. Applicable for non-retirement scenarios with tenures less than or equal to 30 years

Goal probability corresponding to ‘recommended final wealth at 75%’ above. Applicable for non-retirement scenarios with tenures less than or equal to 30 years

If target wealth were to be reduced by 50% of the difference between the target and the current wealth. Applicable for non-retirement scenarios with tenures less than or equal to 30 years.

Goal probability corresponding to ‘recommended final wealth at 50%’ above. Applicable for non-retirement scenarios with tenures less than or equal to 30 years

Loss threshold value – the wealth amount that the investor does not want to end up below at the end of the goal tenure. If the input parameter ‘lossThreshold’ is not passed or value is ‘null’, this parameter is calculated by GOE. If the input parameter ‘lossThreshold’ is a number value, GOE will consider this as the loss threshold.

GOE’s expected portfolio path across the goal tenure (corresponding to the beginning of each reallocation date).

Expected path of wealth across the investment tenure (corresponding to the end of each reallocation date).