Simulate shifting money from a source fund (e.g., debt/liquid) to a target fund (e.g., equity) every month. Choose a fixed installment or compute the installment to deplete the source in N months. We model monthly compounding on both funds and optional annual stepโup in the installment.
What this model assumes
Monthly engine
Each month, both funds grow at their monthly rates (annual/12). If timing is End, we grow first then transfer; if Beginning, we transfer then grow. Transfer cannot exceed the current source balance.
Duration mode
When set to โDeplete in N monthsโ, we solve for the installment (with your timing & stepโup) so the source ends near โน0 after N months.
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Target share of portfolioStatus
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Installment (if solved)
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View monthโwise schedule
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