SBLOC Simulator
Securities-Backed Line of Credit
Assumptions
Save as Defaults
Reset Defaults
Set Baseline
Clear Baseline
Run Simulation
Starting Portfolio
Annual Return
SBLOC Rate
Annual Spend
AUM Fee
0%
0.25%
0.50%
0.75%
1.00%
AUM Fee Source
Deduct from portfolio
Borrow via SBLOC
Annual Inflation
Phase 2 Start Year
Target LTV
Simulation Years
Filing Status
Married
Single
$30,000,000 exemption · 2.50% inflation adj.
Phase 2 Strategy
Cover spend + interest only
Borrow only what's needed for annual spending and interest
Step up to target LTV
Borrow the maximum amount to reach target LTV each year
Market Events
Quick add:
IPO Crash (-30%, Yr 2)
Correction (-20%, Yr 3)
Bear Market (-40%, Yr 4)
Boom Year (+50%, Yr 3)
Year
Return Rate
Description
Add
No market events added.
Life Events
What do you want to buy?
In what year?
How much is it?
Annual cost added?
Add
No life events added.
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
Total AUM Fees
If you earned
/year, it would take
Portfolio vs Loan Balance
LTV Over Time
Estate Waterfall
Year-by-Year Detail
Year
Portfolio
Spend
New Borrow
Phase
Loan Balance
Interest
AUM Fee
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