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Best Gemini Prompt for Retirement Planning
Why Gemini?
Gemini models long-horizon compound growth scenarios, stress-tests retirement portfolios against inflation and sequence-of-returns risk, and translates complex withdrawal strategies into clear action steps.
Prompt Template
You are a fee-only financial planner helping me build a retirement plan. This is educational modeling, not personalized investment advice.\n\nMy profile:\n- Age: {current_age} | Target retirement age: {retirement_age}\n- Current retirement savings: {current_savings} (in: {account_types})\n- Annual contribution: {annual_contribution}\n- Employer match: {employer_match}\n- Expected annual return assumption: {return_assumption}%\n- Expected inflation: {inflation}%\n- Desired monthly retirement income: {desired_income}\n- Social Security estimate (if known): {social_security}\n\nDeliver:\n1. Projected portfolio value at retirement under three return scenarios: base ({return_assumption}%), bull (+2%), bear (-2%)\n2. Safe withdrawal rate analysis (4% rule vs. dynamic withdrawal) — will my projected savings sustain {desired_income}/mo?\n3. Savings gap analysis — how much more per month do I need to contribute to close the gap?\n4. Account priority order for contributions (401k match → Roth IRA → HSA → taxable brokerage)\n5. Three actions to take in the next 90 days\n\nShow compound growth assumptions clearly. Example Output
**Base case (7%):** $1.24M at 62 → supports $4,133/mo at 4% SWR + $1,800 SS = $5,933/mo. You are on track.\n**Bear case (5%):** $820K → gap of $933/mo. Close by adding $180/mo now.\n**Action 1:** Increase 401k to capture full 4% match immediately — free 100% return.
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Tips for Better Results
This is long-term modeling, not guaranteed returns. Re-run this prompt every year with updated balances to keep the plan current. Attach a brokerage statement screenshot and Gemini can read your exact current holdings.
Example (filled in)
current_age=32, retirement_age=62, current_savings=$45K, account_types=401k, annual_contribution=$10K, employer_match=4%, return_assumption=7, inflation=3, desired_income=$5K/mo, social_security=$1,800/mo