Adam is 24 years old and has a 401(k) plan through his employer, a large financial institution. His company matches 50% of his contributions up to 6% of his salary. He currently contributes the maximum amount he can. In his 401(k), he has three funds.

Investment A is a large-cap index fund, which has had an average annual growth over the past 10 years of 6.63% with a standard deviation of 13.46%.
Investment B is a mid-cap index fund with a 10-year average annual growth of 9.89% and standard deviation of 15.28%. Finally, Investment C is a small-cap Index fund with a 10-year average annual growth rate of 8.55% and a standard deviation of 16.90%. Fifty percent of his contribution is directed to Investment A, 25% to Investment B, and 25% to Investment C. His current salary is $48,000 and based on a compensation survey of financial institutions, he expects an average raise of 2.7% with a standard deviation of 0.4% each year. Develop a simulation model to predict how much he will have available at age 60.