Product information
Goal Rescue: change the plan when risk is capped
Understand the educational options shown when a goal would otherwise require risk beyond the plan's capacity limit.
Goal Rescue is a set of planning choices for a target that does not fit within the user's risk-capacity limit: contribute more if affordable, extend the timeline, lower the target, strengthen reserves or address costly debt. The method changes the goal assumptions instead of increasing equity beyond capacity. Its demo amounts and point labels are illustrative interface prompts, not calculated estimates or promises.
Why a goal may need a rescue
A target can be difficult because the starting amount is small, the time is short, contributions are uncertain, essential expenses are high or the user's capacity for loss is limited. Raising risk can make a chart look more optimistic while making an essential goal more fragile. First keep emergency reserves and known withdrawals separate.
Four adjustment levers
Add an affordable contribution, extend the date to give saving more time, reduce the required amount, or build reserves and improve the household's ability to absorb shocks. Costly debt may also be a priority because its required payments compete with contributions. The best lever depends on a person's circumstances; some options may not be feasible.
What the current interface shows
The browser demo displays sample adjustments such as a contribution increase, two extra years, a smaller target or a reserve prompt. Beside some options it prints fixed point ranges; these labels are not recomputed outcomes and have not been calibrated to a real household. The separate reference engine can calculate scenarios, but its assumptions and estimates also require careful interpretation.