Sequence Risk Lab was created to help investors better understand how market behavior actually affects long-term outcomes.
Most retirement calculators assume smooth average returns. In reality, markets move in cycles, and the timing of those cycles matters.
The goal of this simulator is not to predict the future, but to make risk visible.
Sequence of return risk, market cycles, and valuation effects can have a major impact on retirement outcomes, yet they are often simplified or ignored in traditional tools.
This calculator is designed to explore those dynamics in a transparent and intuitive way.
This tool is intended for long-term investors, particularly those planning for financial independence or retirement, who want to better understand how market structure affects outcomes over time.
Created by Jørgen Davidsen.
Sequence Risk Lab is an independent project focused on making complex financial concepts easier to understand.
The goal is to build simple, transparent tools that help users explore risk and make more informed decisions.