Kwanti now includes Cash Flow Scenarios, a new feature that lets advisors quickly model how portfolios would have performed under different withdrawal and contribution strategies. Whether you’re planning retirement income, analyzing dollar cost averaging approaches, or stress-testing portfolio sustainability, Cash Flow Scenarios provides the flexibility to analyze multiple approaches without the complexity of traditional planning software.
What are Cash Flow Scenarios?
Cash Flow Scenarios allows you to run historical simulations showing how a portfolio would have responded to systematic cash flows over time. Instead of relying on projected returns, you see exactly how different strategies would have played out using actual market data.
Test four distinct scenario types:
Dividend Withdrawal – Systematic withdrawal of portfolio dividends
Fixed Dollar Withdrawal – Regular withdrawals of a specific dollar amount
Percentage-Based Withdrawal – Withdrawals calculated as a percentage of portfolio value
Fixed Dollar Contribution – Regular additions of a specific dollar amount
Each scenario runs against your portfolio’s actual composition and historical performance, showing you the complete picture of how cash flows would have impacted portfolio value over time.
Simple Setup, Powerful Analysis
Creating a scenario takes seconds. Select your scenario type, specify the amount and frequency, choose your time period, and run the simulation. Kwanti handles the complexity behind the scenes (dividend reinvestment, cash management, performance calculations) and delivers results instantly.
Comparing a 3.5% withdrawal rate against a fixed $50,000 annual withdrawal takes under a minute. Testing how monthly versus quarterly contributions affect long-term growth is just as fast.
See the Full Picture
Results show you exactly how the portfolio would have evolved, including detailed performance metrics and period-by-period portfolio values. Kwanti doesn’t hide unsustainable strategies. If a withdrawal rate would have depleted the portfolio, you’ll see it. This transparency helps you have more informed conversations with clients about realistic expectations.
Real-World Applications
Cash Flow Scenarios supports numerous planning conversations:
- Retirement Income Planning – Model sustainable withdrawal rates and compare percentage-based versus fixed-dollar approaches
- Dollar Cost Averaging – Evaluate systematic contribution strategies across different market periods
- Dividend Strategies – Analyze the impact of living off portfolio dividends without touching principal
- Distribution Planning – Test regular withdrawal approaches for business owners or retirees
- Strategy Transitions – Model the shift from accumulation to distribution
Because scenarios run on historical data, you can show clients how different strategies would have performed during actual market conditions, including periods of volatility and downturns.
Getting Started
Cash Flow Scenarios is accessible from the Portfolio Analytics section in Kwanti. Select any portfolio or model, click Analyze on the Performance tab and select Cash Flow Scenarios to start testing strategies immediately.
Whether you’re stress-testing a retirement plan, evaluating contribution strategies, or exploring dividend-focused approaches, Cash Flow Scenarios gives you the analytical power to support better client conversations within your existing Kwanti workflow.