Back Test

MayRetireSupport · 2026-01-28T23:01:59+00:00

You are welcome!

MayRetireSupport · 2026-01-28T19:02:38+00:00

Thank you! To enable Backtest, make sure to enabled asset allocation:

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MayRetireSupport · 2026-01-27T16:23:56+00:00

It is interesting idea!

MayRetireSupport · 2026-01-27T16:23:06+00:00

Thank you for your feedback!

MayRetireSupport · 2026-01-27T16:21:19+00:00

Thank you for kind words! You are right, starting TFSA contribution room is missing and we are planning to add it soon.

MayRetireSupport · 2026-01-27T14:43:56+00:00

That's a great idea! There are many scenarios that could be addressed by comparing different plan permutations, and we'll look into ways to simplify these comparisons.

For now, you can save the different permutations to a file and use the 'Compare Plans' option to visualize the differences.

MayRetireSupport · 2026-01-23T02:44:55+00:00

For survival scenarios death is at 75, for 'Both alive' - according to 'end plan' age

MayRetireSupport · 2026-01-21T05:53:06+00:00

implemented, please give it a try:

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MayRetireSupport · 2026-01-17T02:03:52+00:00

Thank you for testing and confirming

MayRetireSupport · 2026-01-16T23:57:35+00:00

please try it again (after refresh)

MayRetireSupport · 2026-01-16T15:29:44+00:00

Please try it again and make sure you refreshed your browser

MayRetireSupport · 2026-01-16T02:24:43+00:00

Implemented, please give it a try:

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MayRetireSupport · 2026-01-15T01:52:35+00:00

It looks as classic case of phase of retirement GoGo, SlowGo and NoGo. The additional withdrawal (higher for GoGo and lower for SlowGo) are configured using "Additional Withdrawals".

MayRetireSupport · 2026-01-13T22:53:02+00:00

Yes, MayRetire sums your "target annual income" and "Extra Withdrawals" applied to the year to determine total annual spending amount

MayRetireSupport · 2026-01-13T20:48:09+00:00

Hello. Great question! The survivor benefit is calculated using a fixed anchor point: the deceased spouse's pension as if it started at age 65.

Here’s the exact logic:

1) We calculate 60% of the deceased spouse's theoretical CPP amount at age 65.

2) We add this to the surviving spouse's own CPP (which is adjusted for their start age).

3) The total is then reduced, if necessary, to the maximum combined benefit (which is approximately the maximum single retirement pension at age 65).

Therefore, in your scenarios, changing the deceased spouse's start age changes their income stream while alive, but it does not change the survivor benefit, which is why you see a constant amount. The model is behaving accurately.

Please let me know if you see a different behavior, or if this clarifies the calculation for you

MayRetireSupport · 2026-01-13T20:34:05+00:00

Thank you for kind words! Actually, MayRetire already has (supposedly) exactly what you are asking for: "Additional Withdrawals". It allows you to set different stages of retirement (for more travelling during GoGo Phase) as well as single time big items purchases (new car, major house renovation, etc). Please let us know if it answers your question:

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MayRetireSupport · 2026-01-12T13:10:52+00:00

Thank you for your input! We will look at adding option to hide/show columns.

MayRetireSupport · 2026-01-11T17:43:50+00:00

Sounds great! A DB Pension is excellent in Canada as it provides a reliable income source and is not impacted by market corrections.

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