Fast Track uses natural language processing (NLP) to make scenario creation faster and more intuitive. Instead of adjusting inputs manually, just describe your scenario in plain language and Fast Track will build it for you.
This table provides example use cases and ready-to-go prompts for Fast Track in the Scenario Tool. Each use case highlights a common situation—such as retirement income, college funding, or systematic savings. Just copy the prompt or use it as inspiration—then tweak the details to match your client’s situation.
| Scenario | Lookback | Initial Investment | Pattern | Prompt |
|---|---|---|---|---|
| Scenario 1: Graduated Savings Plan | 20Y | $10,000 | $500/month, increasing 3% annually | Create a scenario starting 20 years ago with a ten-thousand dollar initial investment in SPY. Add monthly contributions of five hundred dollars and increase the contributions by three percent each year. |
| Scenario 2: Annual car purchase | 25Y | $1,000,000 | $50,000 lump sum withdrawal every 5 years (year 5, 10, 15, 20, 25) | Create a scenario starting 25 years ago with a one million dollar initial investment in SPY. Add withdrawals of fifty thousand dollars at year 5, year 10, year 15, year 20, and year 25 to simulate buying a new car every five years. |
| Scenario 3: Front-Loaded Savings (Inheritance/Bonus) | 25Y | $250,000 | $1,000/month for 10 years after lump sum | Start a scenario 25 years ago with a two hundred fifty-thousand dollar initial investment in SPY. After that, add one thousand dollars per month for the next ten years. |
| Scenario 4: Deferred Contributions | 30Y | $0 | No contributions first 5 years, then $2,000/month for 15 years | Create a scenario starting 30 years ago with $1 initial investment in SPY. Skip the first five years, then add contributions of two thousand dollars per month for the next fifteen years. |
| Scenario 5: Step-Up DCA | 30Y | $100 | $100/month first 5 years, $200/month next 5 years, $500/month next 5 years | Model a scenario starting 30 years ago with a one hundred dollar initial investment in SPY. Contribute one hundred dollars per month for the first five years, then increase to two hundred per month for the next five years, then increase again to five hundred per month for the following five years. |
| Scenario 6: Retirement Income - systematic withdrawals increased annually for inflation | 30Y | $1,000,000 | $60,000/year starting in year 6, +2% annually | Start a scenario 30 years ago with a one million dollar investment in SPY. Beginning in year six, withdraw sixty thousand dollars per year and increase that withdrawal by two percent annually for inflation. |
| Scenario 7: College Funding Plan | 25Y | $25,000 | $500/month until year 18 → $25,000/year withdrawals years 18–21 | Create a scenario starting 25 years ago with a twenty-five thousand dollar initial investment in SPY. Add contributions of five hundred dollars per month until year eighteen, then withdraw twenty-five thousand dollars per year for four years to cover tuition. |
| Scenario 8: Retirement Bridge (Gap Income) | 20Y | $750,000 | $40,000/year withdrawals for first 5 years, then stop | Model a scenario starting 20 years ago with a seven hundred fifty-thousand dollar initial investment in SPY. Withdraw forty thousand dollars per year for the first five years, then stop withdrawals after that. |
| Scenario 9: Legacy Gifting | 30Y | $1,000,000 | $100,000 every 10 years | Model a scenario starting 30 years ago with a one million dollar investment in SPY. Add withdrawals of one hundred thousand dollars at year 10, year 20, and year 30 to simulate gifts to heirs. |
| Scenario 10: Windfall + Retirement Spending | 30Y | $100,000 | $2,000/month until year 15 → $500,000 lump sum at year 15 → $3,000/month withdrawals starting year 20 | Create a scenario starting 30 years ago with a one hundred thousand dollar initial investment in SPY. Contribute two thousand dollars per month until year fifteen. In year fifteen, add a lump sum of five hundred thousand dollars. Starting in year twenty, begin withdrawing three thousand dollars per month. |