Turn the portfolio into paychecks
Spend · draw it down
Turn the portfolio into paychecks
Four withdrawal methods applied to one shared plan. Each makes a different tradeoff between income stability and portfolio longevity. Compare them under modelled and historical markets.
How should the money come out?
4%
Year one: $10,000 from the portfolio → $10,000/yr to spend, after tax and including $0/yr income.
Lasts the full plan in 77% of scenarios under the parametric market model
Success is defined as a balance above zero through age 95.
Portfolio over time
Ending balance (age 95)
10th percentile: $0 · Median: $315,643 · 90th percentile: $1,407,135
Withdrawals sized. Next: account sequencing and adverse-scenario testing.
Keep more with taxes and stress-tests →