10 Years Until Retirement? Here’s What I’d Do

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Is it possible to build a successful retirement if you’re only 10 years away and starting with just $10,000?

That’s exactly what we’re testing today.

Using the Simply Money Portfolio Planner and Retirement Stress Test, I build three different retirement portfolios—a Conservative, Moderate, and Aggressive model—all starting with the exact same conditions:

$10,000 starting balance

$500 monthly investments

10 years until retirement

Same group of ETFs

Same retirement spending assumptions

Then I run each portfolio through 500 Monte Carlo simulations to see which one actually survives retirement—and which one fails.

We’ll cover:

Conservative vs Moderate vs Aggressive portfolios
Portfolio growth over 10 years
Retirement income projections
Yield on Cost
Sequence of Returns Risk
Monte Carlo retirement testing
Why increasing contributions by just 3% each year can dramatically improve retirement success

The goal isn’t to predict the future—it’s to make better retirement decisions using realistic scenarios and real data.

Every ETF has a job, and every job has a purpose.

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00:00 Can you retire in 10 years?
00:48 Why investors ask this question
02:22 Building the retirement portfolios
03:44 Historical vs forecasted returns
05:03 Conservative, Moderate & Aggressive allocations
06:37 Starting with $10,000
07:55 Setting monthly deposits
09:35 Withdrawal strategy explained
11:45 Conservative portfolio results
14:37 Moderate portfolio results
16:05 Aggressive portfolio results
17:01 Why increasing deposits matters
19:32 Running the Retirement Stress Test
20:05 Retirement assumptions
24:18 Monte Carlo simulation results
25:25 Conservative portfolio survival
25:58 Moderate portfolio survival
26:44 Aggressive portfolio survival
28:47 Bad first year in retirement
29:24 Bad first three years
30:01 Worst-case five-year scenario
31:05 Final thoughts

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Welcome to Simply Money — your source for ETF investing, dividend income, passive income, retirement planning, and financial freedom.

I break down real-world investing strategies using data, portfolio analysis, backtesting, and income projections to help you make smarter financial decisions.

On this channel you’ll learn:

• ETF Investing Strategies
• Dividend Income & Passive Income
• Covered Call ETFs & High-Yield Investing
• Monthly Income Portfolios
• Retirement Income Planning
• Growth vs Income Investing
• Dividend Growth & Yield on Cost
• Portfolio Analysis & ETF Comparisons
• DRIP Strategies & Income Reinvestment
• Financial Independence & Wealth Building

Featured investments include SCHD, SCHG, JEPI, JEPQ, SPYI, QQQI, CHPY, IWMI, GPIQ, GPIX, and other dividend and income-focused ETFs.

Simply Money Investing Tools

• Simply Money DRIP Score
• Simply Money Portfolio Planner
• Simply Money Retirement Stress Test
• Income Forecast & Income Tracker
• Dividend & Portfolio Analysis Tools

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from Simply Money https://www.youtube.com/watch?v=Uuz8xUahe9s

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