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Using Retirement Score to Make Financial Decisions
The PocketPlan Retirement Score is built to help you make objective, data-driven financial decisions. Instead of relying on emotion or guesswork, your score provides a clear indicator of whether your retirement strategy is strong, balanced, or needs improvement.
By translating complex financial projections into a simple percentage, the Retirement Score becomes a powerful tool for building a resilient long-term plan.
Decision Matrix: What Your Retirement Score Means
Understanding your score helps you take the right action at the right time.
| Scenario | Score Range | Action to Take | Decision Examples to Test |
|---|---|---|---|
| Plan is Underfunded | Below 75% | Increase resilience by lowering risk and boosting savings. | Increase monthly contributions, delay retirement, adjust asset allocation to a more conservative mix. |
| Plan is Optimal | 75% – 90% | Stay the course. Your strategy is balanced against risk. | Review allocation, confirm inflation assumptions, and validate future spending needs. |
| Plan is Overfunded | Above 95% | Explore flexibility in your retirement timeline and lifestyle. | Retire earlier, increase travel budget, or optimize taxes through asset conversions. |
The Power of “What-If” Scenarios
One of the biggest advantages of the Retirement Score is the ability to instantly model financial trade-offs.
Saving vs. Retirement Age Trade-Off
Question: What happens if you retire at age 65 instead of 62?
Action: Adjust your retirement age inside PocketPlan and watch your score improve.
A higher score typically means greater flexibility and reduced pressure on monthly savings.
Portfolio Risk Trade-Off
Question: Can you reduce investment risk without harming your retirement plan?
Action: Shift from a Growth portfolio (80% stocks) to a Balanced allocation (60% stocks).
If your score remains strong — for example, above 80% — it signals that you can lower risk while still maintaining a high probability of success.
The Ultimate Goal
Your Retirement Score empowers rational, evidence-based decision-making so you can confidently plan for a comfortable and secure future.
Instead of wondering whether you are saving enough or taking too much risk, the score gives you measurable clarity — helping you reach retirement with confidence.
Frequently Asked Questions
What is a Retirement Score?
A Retirement Score is a percentage that estimates how likely you are to successfully fund your retirement based on savings, investments, timeline, and risk factors.
What is the ideal Retirement Score?
An ideal score typically falls between 75% and 90%, indicating a well-balanced plan with a strong probability of success.
How can I improve my Retirement Score?
You can improve your score by increasing contributions, adjusting investment allocation, reducing risk, or extending your retirement timeline.
What does a score above 95% mean?
It often suggests financial flexibility, meaning you may be able to retire earlier, spend more, or optimize tax strategies.
Why should I run what-if scenarios?
What-if scenarios help you evaluate financial trade-offs instantly so you can choose strategies that strengthen your retirement readiness.
