Buy Borrow Die — LOC vs Sell-Stock Monte Carlo

Buy·Borrow·Die

Monte Carlo · S&P 1926–2025 bootstrap

Borrow against the portfolio, or sell stock — thousands of simulated futures, side by side.

Starting portfolio

Cap-gains + NIIT rate

Tax bill (rate × portfolio)

Max draw

Draw growth / yr

Withdraw years

S&P years sampled

Advisory fee

Horizon (years)

Factor years sampled

LOC rate (capitalizing)

Maintenance LTV cap

Alpha, yrs 1–2

Alpha, yrs 3–5

Alpha, yrs 6+

Down-year multiplier

Up-year multiplier

Trials

Random seed (0 = system)

Re-run on change Inflation adjusted

Net worth over time

LOC median Sell-stock median Long-short median 5–95 / 25–75% 1st pct tail