Pension Fund Scenarios
Payment Amount ($)
$20.00
Asset Redemption
💵 USD
Initial Assets:
$100.00
Initial Liabilities:
$150.00
Initial Funding Ratio:
66.67%
Amount to Sell (with 10% loss):
$22.22
Payment to Retirees:
$20.00
Final Assets:
$77.78
Final Liabilities:
$130.00
Final Funding Ratio:
59.83%
Yield:
$0.00
🪙 Stablecoin
Initial Assets:
$100.00
Initial Liabilities:
$150.00
Initial Funding Ratio:
66.67%
Direct Transfer Amount:
$20.00
Payment to Retirees:
$20.00
Final Assets:
$80.00
Final Liabilities:
$130.00
Final Funding Ratio:
61.54%
Yield on Remaining Assets:
âš¡ $1.60
Borrowing
💵 USD
Initial Assets:
$100.00
Initial Liabilities:
$150.00
Initial Funding Ratio:
66.67%
Borrowed Amount:
$20.00
Payment to Retirees:
$20.00
Final Assets:
$100.00
Final Liabilities:
$150.00
Final Funding Ratio:
66.67%
Borrowing Cost (3%):
-$0.60
🪙 Stablecoin
Initial Assets:
$100.00
Initial Liabilities:
$150.00
Initial Funding Ratio:
66.67%
Borrowed Amount:
$20.00
Payment to Retirees:
$20.00
Final Assets:
$100.00
Final Liabilities:
$150.00
Final Funding Ratio:
66.67%
Net Yield (2%):
âš¡ $0.40
Key Differences:
USD Sale:
Assets decrease due to selling at a loss, no yield
Stablecoin Transfer:
No asset sale needed, direct 1:1 transfer to retirees
USD Borrowing:
Assets preserved but incurs borrowing costs
Stablecoin Borrowing:
Assets preserved and generates net yield