If AI Strategies Suggests Strategies With the Same Success Rate, Which One Should You Pick?

If multiple AI-generated retirement strategies in Adviice show the same success rate, you can prioritize based on other key factors. Here’s how to decide:

1. Prioritize Estate Value

• Look at the estate value each strategy leaves behind.
• If success rates are equal, a higher estate value might be preferable—especially for legacy planning or tax efficiency.

✅ Best for: Those who want to leave more to heirs or minimize taxes over time.

2. Consider Spending Potential

• Some strategies might allow for higher retirement spending while still maintaining a strong success rate.
• If success rates are close (within 5%), a plan that allows more annual spending could be a better choice.

✅ Best for: Those who want to maximize enjoyment during retirement while maintaining financial security.

3. Understand Small Success Rate Differences

• A 1-5% difference in success rate is generally not significant.
• Plans with a small drop in success rate (e.g., from 90% to 85%) might still be solid while offering better estate or spending outcomes.

✅ Best for: Those willing to accept a minor decrease in success rate for better overall financial flexibility.