Interactive Retirement Savings Simulator

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Interactive Retirement Savings Simulator

Inspired by a conversation on:

Sound Investing

Sound Investing

Saving for Retirement: 100% S&P 500 vs. 60/40 — A Lifetime Portfolio Comparison

Host: Paul Merriman

Timestamp: 00:00:00 - 00:27:01

Listen to Episode • View Podcast • All Ideas from Sound Investing

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Direct Quote

"If you did a certain thing. But what I'm going to show you is really, first and foremost, to take a look at the implications of an all equity portfolio for the rest of your life versus 60-40."

Market Gap

Individuals lack tools to simulate retirement savings scenarios.

Many potential retirees do not have access to tools that allow them to realistically simulate different retirement savings scenarios based on varying investment strategies. The absence of interactive simulations can lead to poorly informed decisions about savings rates, asset allocation, and overall investment strategies. Current financial products may not provide the necessary insights into the long-term implications of investment choices, often leaving individuals unprepared for retirement. As the demographic of self-directed investors grows, there is a pressing need for a solution that empowers users to visualize how different decisions—like choosing between an all-equity approach or a balanced portfolio—impact their future financial security.

Summary

The Interactive Retirement Savings Simulator would enable users to experiment with different savings strategies, investment allocations, and time horizons to see projected outcomes for their retirement savings. Users could input their current savings, expected contributions, and select investment strategies (100% equity, 60/40, etc.) to visualize potential growth over time. This tool would appeal to DIY investors, financial planners, and retirement-focused organizations, providing valuable insights and enhancing financial literacy. It could be developed as a web application or mobile app, integrating data from financial markets to offer real-time projections and personalized recommendations based on user inputs.

Categorization

Business Model
Product
Target Founder
Generalist
Difficulty
Medium
Time to Revenue
1-3 months
Initial Investment
< $100

Scores

Clarity
8/10
Novelty
6/10
Feasibility
7/10
Market Potential
8/10
Evidence
8/10
Overall
7/10
Found on September 10, 2025 • Analyzed on September 10, 2025 2:49 PM

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How should I validate this product idea before building it?

2:34 PM

Great question! For a product idea like this, I'd recommend starting with these validation steps:

  1. Customer interviews: Talk to Generalist to understand their pain points
  2. MVP approach: Build a simple landing page to test demand
  3. Competitor analysis: Research existing solutions and identify gaps

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2:35 PM

Yes, and what about the technical implementation? Should I build this myself or hire a team?

2:36 PM

Based on your idea's complexity and 1-3 months, here's my recommendation:

Technical Strategy:

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  • Consider your technical background and available < $100
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