How much do I need for retirement?
Will You Run Out of Money Before You Run Out of Time?
In the chart below, the figures show how many years it will take for your
principal and earnings to become fully depleted if you spend more money than
your portfolio is actually earning.
Years until All Capital Is Depleted
8%
|
Withdrawal |
6% |
37
|
*
|
*
|
*
|
*
|
*
|
*
|
*
|
*
|
*
|
*
|
|
7%
|
25
|
33
|
*
|
*
|
*
|
*
|
*
|
*
|
*
|
*
|
*
|
|
20
|
23
|
30
|
*
|
*
|
*
|
*
|
*
|
*
|
*
|
*
|
|
9%
|
16
|
18
|
22
|
29
|
*
|
*
|
*
|
*
|
*
|
*
|
*
|
|
10%
|
14
|
15
|
17
|
20
|
27
|
*
|
*
|
*
|
*
|
*
|
*
|
|
11%
|
12
|
14
|
15
|
17
|
20
|
25
|
*
|
*
|
*
|
*
|
*
|
|
12%
|
11
|
12
|
13
|
14
|
16
|
19
|
24
|
*
|
*
|
*
|
*
|
|
13%
|
10
|
11
|
11
|
12
|
14
|
15
|
18
|
23
|
*
|
*
|
*
|
|
14%
|
9
|
10
|
10
|
11
|
12
|
13
|
15
|
17
|
22
|
*
|
*
|
|
15%
|
8
|
9
|
9
|
10
|
11
|
11
|
13
|
14
|
16
|
21
|
*
|
|
16%
|
8
|
8
|
8
|
9
|
10
|
10
|
11
|
12
|
14
|
16
|
20
|
|
17%
|
7
|
8
|
8
|
8
|
9
|
9
|
10
|
11
|
12
|
13
|
15
|
|
18%
|
7
|
7
|
7
|
8
|
8
|
8
|
9
|
10
|
10
|
11
|
13
|
|
19%
|
6
|
7
|
7
|
7
|
8
|
8
|
8
|
9
|
9
|
10
|
11
|
|
20%
|
6
|
6
|
6
|
7
|
7
|
7
|
8
|
8
|
9
|
9
|
10
|
* = Capital will never be depleted at this
combination of return and withdrawal.
Please Note: The above
summary/prices/quotes/statistics have been obtained from sources we believe to
be reliable, but we cannot guarantee accuracy or completeness. Past performance
is no guarantee of future results.
