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Simple Sustainable Withdrawal Projector Chart |  | Annual retirement income of $60,000 in today's dollars would, after adjusting for inflation, equate to $125,627 desired income in your first year of retirement.
Based on your current assets and expected contributions, a 4.66% initial portfolio withdrawal could result in income of $113,561 in your first year of retirement.
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If you withdraw funds from your retirement portfolio in amounts equal to 100% of desired retirement income, your funds may be completely depleted in an estimated 23 years.
If withdrawals from your portfolio are based on an initial portfolio withdrawal percentage of 4.66%, your funds may provide regular income, as indicated, for the entire 25-year distribution period.
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Assumptions
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This is a hypothetical example and is not intended to reflect the actual performance of any specific investment, nor is it an
estimate or guarantee of future value. Investment fees and expenses have not been deducted. If they had been, the results would
have been lower. When making an investment decision, investors should consider their personal investment horizons and income tax
brackets, both current and anticipated, as these may further impact the results of this comparison.
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This illustration assumes a fixed annual rate of return; the rate of return on your actual investment portfolio will be different
and will vary over time, according to actual market performance. This is particularly true for long-term investments. It is important
to note that investments offering the potential for higher rates of return also involve a higher degree of risk to principal.
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The initial portfolio withdrawal percentage is calculated to allow regular annual withdrawals, adjusted for inflation at the specified
rate, for the entire retirement distribution period, with no funds remaining at the end of the distribution period. For withdrawals based
on the initial portfolio withdrawal percentage, the withdrawal in the first year of retirement is calculated by multiplying the investment
portfolio balance by the initial portfolio withdrawal percentage. The withdrawal amount for each subsequent year of retirement is determined
by adjusting the first year withdrawal amount for inflation, at the rate specified.
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