Stocks Bonds Cash

75% confidence

Worst Case

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How long 55555/month may last

17 years

11 years

18 years

9 years

18 years

11 years

Stocks Bonds Cash What is this?

The results below are an estimate of how much money you would have at the end of the distribution period. The amounts, in today’s dollars, are shown in three ranges: shortfall, median, and excess.

Shortfall is based on scenarios in which your investments deliver below-average performance and/or you live beyond your life expectancy. Shortfall is the amount of additional money you may need right now to meet your estimated monthly income goal.

Excess is based on scenarios in which your investments deliver above-average performance and/or you die before reaching the average life expectancy. Excess is additional money you may have right now that would not be needed to meet your estimated income goal. It may be helpful to consider excess as the assets you might transfer to your heirs.

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Taxable (edit)

 

Tax-deferred (edit)

 

Tax-free (edit)

 

TOTAL:

What does this mean?
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55
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65
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85
5
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45
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50
4%
4.5%
5%
5.5%
6%
6.5%
7%
7.5%
8%
8.5%
9%

Use this toolbar to determine how much risk you are willing to take with your investments. If you want a greater chance of reaching your goal, enter a higher percentage. If you are willing to take more risk (in exchange for a potentially higher amount of monthly income), enter a lower percentage.

50%
75%
80%
90%
95%
99%

Stock performance in these portfolios is based on the S&P 500 Index, an unmanaged index of common stocks. While other investments or securities may have characteristics that are similar or superior to the stocks in this index, it is one of the most common measures of broad U.S. stock market performance.

Bond performance in these portfolios is based on the Barclays Capital U.S. Aggregate Bond Index, an unmanaged index of U.S. investment-grade fixed-income securities. While other investments may have characteristics that are similar or superior to the bonds in this index, it is one of the most common measures of broad U.S. bond market performance.

Cash is represented by the BofA Merrill Lynch U.S. 3-month Treasury Bill Index, an unmanaged index that seeks to measure the performance of U.S. Treasury bills available in the marketplace. While other investments may have characteristics that are similar or superior to the securities in this index, it is one of the most common means of measuring the cash portion of an investment portfolio.

5

Average Life Expectancy

Your results will be calculated based on the retirement age you select (the tool defaults to age 65). Life expectancy is based on the Social Security Administration’s 2005 Period Life Table. Calculations are based on the assumption that you begin retirement today.

Duration

This calculation method allows you to choose how long you want your income to last, and results will be calculated based on the assumption that you begin retirement today.

This model portfolio is designed for conservative investors who want to preserve principal. It includes some stock investments for capital appreciation potential.

This model portfolio is designed for investors who are willing to accept a moderate level of risk in exchange for capital appreciation potential.

This model portfolio is designed for investors who are willing to accept a higher degree of risk in exchange for greater capital appreciation potential.

Disclosure