H
HORIZON • Wealth & Lifetime Allocation Engine
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Calibrated skew-t model · ν = 5 · 386 observations · 1994-07-31 → 2026-08-31
Certainty Equivalent
$4,847/mo
The steady monthly income you would view as equally desirable to this strategy's fluctuating market outcomes, given your risk aversion (γ = 3.0).
Median Spending
$5,821/mo
In half of all simulated market lifecycles, your monthly net spending after housing is at or above this level.
Downside Crash Floor
$3,342/mo
In 90% of market simulations you spend at least this much; only the worst 10% of prolonged bear markets fall below.
Home Purchase Milestone
Age 33.6
Average age when target down payment is accumulated. Initial mortgage is $1,914/mo (fully paid off by 55).
Risk Tolerance
Risk Aversion (γ — CRRA Utility)
3.0 (Balanced)
Drawdown Aversion (λ — Ulcer Index)
0.000 (Neutral)
Penalizes strategies that suffer long, deep drawdowns.
HOUSE_VEQT → VEQT → VEQT+CASH → VEQT
Net monthly lifestyle spending across simulated market cycles
Hover curve to inspect percentiles
| Rank | Housing Strategy | Accumulation (25–55) | Early Bridge (55–65) | Post-65 | Average Buy Age | Average Mortgage | Certainty Equivalent | Median | Ulcer Index | P10 | P90 |
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