SBLOC Simulator
Securities-Backed Line of Credit
Assumptions
Reset
Run Simulation
Starting Portfolio
Annual Return
SBLOC Rate
Annual Spend
Annual Inflation
Phase 2 Start Year
Target LTV
Phase 2 Strategy
Step up to target LTV
Cover spend + interest only
Simulation Years
Estate Exemption (married)
Exemption Inflation Rate
Life Events
+ Add Event
No life events added. Click
+ Add Event
to model a home purchase, college tuition, or other major expense.
Simulation
Sensitivity
Scenario Compare
Configure assumptions above and click
Run Simulation
to see results.
Portfolio Yr 30
Loan Balance
Net Wealth
Heirs Receive
Avg Annual Spending
Portfolio vs Loan Balance
LTV Over Time
Estate Waterfall
Year-by-Year Detail
Year
Portfolio
Spend
New Borrow
Phase
Loan Balance
Interest
LTV
Net Wealth
Sensitivity Analysis — Varying Annual Return
Run Analysis
Click
Run Analysis
to compare outcomes across return rates.
Return
Portfolio Yr 30
Loan Yr 30
Net Wealth
Heirs Receive
Eff. Tax Rate
Scenario Comparison
A: Hold 100% concentrated stock | B: Sell 50%, reinvest in S&P 500
Concentrated Stock Return
S&P 500 Return
Capital Gains Tax Rate
Cost Basis (% of value)
Compare Scenarios
Scenario B Details
Side-by-Side Comparison
Metric
Scenario A
Scenario B
Difference