How much do I need for retirement?

Retirement Planning and retirement plans

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.