{
  "schema": "planejador/v2",
  "params": {
    "model_version": 2,
    "ano_base": 2026,
    "ano_nascimento": 1980,
    "B0": {"pos": 100000, "lca": 50000, "jr": 100000, "vgbl": 80000, "pgbl": 20000, "rv_br": 50000, "rv_off": 100000, "fii": 10000},
    "base": {"vgbl": 60000, "rv_br": 40000, "rv_off": 75000},
    "gasto": 10000,
    "aluguel": 0,
    "aporte": 60000,
    "extra": 0,
    "saida": 2035,
    "ipca": 0.04,
    "rf": 0.04,
    "rv": 0.05,
    "swr": 0.035,
    "anoCrash": 2251,
    "dropCrash": 0,
    "tetoBolsa": 0.45,
    "pisoBolsa": 0,
    "dynamic": false,
    "inss": 0,
    "anoInss": 2045,
    "cortaFilhas": 0,
    "anoFilhas": 2040,
    "saude": 0,
    "vcmh": 0.05,
    "vcmhLongo": 0.015,
    "saudeFilhas": 0,
    "irPrev": 0.2,
    "vol": 0.17,
    "planning": {
      "vgbl_equity": 0,
      "pgbl_equity": 0,
      "pension_rf_return": 0.03,
      "extra_start": null,
      "extra_end": null,
      "spending_change_year": null,
      "spending_change": 0,
      "contribution_start": false,
      "glide": false,
      "equity_start": 0.35,
      "equity_end": 0.3,
      "glide_end": null,
      "band": 0.02,
      "reserve_months": 36,
      "rf_vol": 0.02,
      "correlation": 0,
      "offshore_distribution": 0,
      "offshore_withholding": 0,
      "offshore_losses": 0,
      "crypto": 0,
      "crypto_return": 0,
      "crypto_vol": 0.5,
      "recovery_years": 0,
      "recovery_return": 0,
      "deterministic_only": true
    }
  }
}