Kace Capital Advisors
Kace Capital Advisors
Kenny Polcari
Managing Partner
2255 Glades Road
Suite 219A
Boca Raton, FL 33431
212-381-6194
kenny@kacecapitaladvisors.com
kacecapitaladvisors.com
 
 




Simple Sustainable Withdrawal Projector
Simple Sustainable Withdrawal Projector

This calculator estimates the number of years that projected retirement savings will be able to provide the desired level of retirement income. This result is compared to a scenario in which retirement distributions are made based on an initial portfolio withdrawal percentage calculated to provide regular distributions over the entire specified retirement withdrawal period, with no funds remaining at the end of the period.


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Enter a number that represents total anticipated income shortfall in retirement after factoring in Social Security retirement income, pension income, and all other known sources of income. This is the amount of income that will need to be funded by current and future retirement savings.

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Enter total value of current retirement savings, including 401(k) plans and IRAs.

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Enter amount, if any, of estimated future periodic contributions to retirement savings.

Enter number of years until retirement. If you enter 30, for example, retirement takes place in year 31.



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.

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.

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.


IMPORTANT DISCLOSURES Broadridge Investor Communication Solutions, Inc. does not provide investment, tax, legal, or retirement advice or recommendations. The information presented here is not specific to any individual's personal circumstances. To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances. These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable — we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice. This communication is strictly intended for individuals residing in the state(s) of FL and NY. No offers may be made or accepted from any resident outside the specific states referenced.
Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2024.