Investing
Arc treats investment returns as assumptions you can change, not forecasts. Start here if you want the difference between a historical average and a plan.
Guides
Sequence-of-returns risk
Early losses hurt more once you are withdrawing than while you are still contributing.
How much cash should I hold?
Hold cash for near-term bills and shocks. Extra cash is a choice about return, not safety theater.
Pay off the mortgage or invest?
Compare the mortgage rate with the return you are willing to assume, then account for liquidity and risk.
Investment returns and planning
A planning return is an assumption. Historical averages are context, not a contract.
Tools
- Sequence of returns calculator
- Safe withdrawal calculator
- Retirement calculator
- Emergency fund calculator
- Compound growth calculator
- Mortgage payoff vs. invest calculator
- Debt payoff calculator
- Years to FI calculator