Daniel Porter, MBA's Profile Picture
DJR Financial Services, Inc.
Daniel Porter, MBA
Financial Planner
2480 Stearns Street
Simi Valley, CA 93063
805-715-3690
805-527-2430
Dan@DJRFS.com
www.DJRFS.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

Securities and investment advisory services offered through SagePoint Financial Services, Inc. (SPF) member FINRA/SIPC. SPF is separately owned and other entities and/or marketing names, products or services referenced here are independent of SPF. Insurance offered through DJR Financial Services.  CA Insurance License # 0D71418

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