Allocation & source of a one-off payment

For an inflow, the allocation determines which building blocks the money flows into – e.g. 60% Return, 40% Safety. For an outflow, the source determines which blocks the money is taken from – e.g. 100% from Safety (emergency fund). The shares must add up to exactly 100%.

What the allocation does in the model: FireLotse still simulates your wealth as a single pool – but the weighted gross return is no longer constant over time. From the year of an event the building-block mix shifts (book-value approximation: starting mix + savings shares + one-off payment splits; per-block compounding is ignored) and the average return/volatility is reweighted. In practice: a €100k inheritance that flows 100% into Safety lowers your average return from the year of the event – your calculated FIRE age moves accordingly.

Where this applies: the mix-aware return feeds into your calculated FIRE age (jahreBisFIRE) and the Lean FIRE age – i.e. into all dashboard widgets and pulse cards. In the Simulation view the return slider remains a constant assumption ("playground"), so that what-if scenarios stay clean.