Am I Funded?

Know your number.

Am I Funded? measures retirement the way pension funds do: your future spending is a liability, priced off today's real yield curve. Divide what you have by what your life costs, and you get one number — the funded ratio.

01

Price the liability

Your retirement spending is a stream of future cash flows. It has a price — set by real yields, not by guesswork about market returns.

02

Measure the ratio

Assets over liability. Above 1.0, your spending is funded at today's prices. Below it, you know the size of the gap — in years of spending, not abstractions.

03

See what to fix

A probability of success can't tell you what's wrong. A funded ratio and three hedging gaps can: inflation, interest rates, permanent loss.

Wealth is a means. Income is the end. The industry makes you stare at a big uncertain pot; what you actually want to know is whether your life is funded.