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25. Customer access to VieFund – 6. Retirement calculator

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Here’s a step-by-step procedure for using VieFund’s financial calculators, a strategic tool to illustrate your clients’ financial planning needs.

Objective

Conduct interactive simulations to help the client visualize the sustainability of their capital in retirement and the impact of the return on their financial goals.

Prerequisites

  • Be logged in to the VieFund interface.
  • Have the client’s current savings and future income needs on hand.

Step 1: Basic access and configuration

  1. Go to the Financial Calculators section  in VieFund.
  2. Select the Retirement Simulator tool.
  3. Age definition: Enter the expected retirement age (e.g. 65 years old).
  4. Need for income: Indicate the desired monthly amount for withdrawals (e.g., $10,000 per month).
    • Note: The tool automatically incorporates inflation to reflect the future cost of living.

Step 2: Capital Sustainability Analysis

  1. Observe the result of the simulation based on the current capital (e.g. $746,000).
  2. Duration check: Look at how old savings can support withdrawals.
    • Example: If savings run out at age 70 and retire at age 65, the current strategy is insufficient.

Step 3: Simulation of performance scenarios

Use the interactive aspect to make the customer aware of the performance required:

  1. Rate adjustment: Change the projected rate of return (e.g., to 11% or 12%).
  2. Impact Observation: Identify the “survival threshold” of capital.
    • Example: By achieving a constant return of 11%, the capital survives withdrawals instead of being depleted, ensuring a long-lasting retirement.

Step 4: Customer Education and Awareness

  1. Use these charts to demonstrate to the client the importance of increasing their savings or optimizing the return on their portfolio before retirement age.
  2. Encourage the client to use their own VieFund access to explore these simulators independently.

💡 Practical tip: This simulator is an excellent psychological lever. Visually showing that a retirement can be “short” without adjustment makes it easier to open the discussion about increasing contributions or changing the investor profile.