401k vs Taxable Account
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Total Expected Return8.80%
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Dividend Return2%
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Capital Return6.80%
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Marginal Income Tax Rate
28%
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Capital Gains Tax Rate15%
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Dividend Tax Rate15%
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SWR4%
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401kTaxable Account
9
Year
Tax Deferred Investment
Total ReturnWithdrawalIncome TaxNet IncomeNet 401k Value
Tax Equivalent Investment
Capital Retun
Dividend Return
Dividend TaxCapital Gains
Capital Gains Tax
Realized ReturnNet IncomeNet Taxable Value
10
Accumulation Phase1$7,000.00$616.00$0.00$0.00$0.00$7,616.00$5,040.00$342.72$100.80$15.1200$100.80$85.68$5,468.40
11
2$7,313.00$1,313.75$0.00$0.00$0.00$16,242.75$5,265.36$729.90$214.68$32.2000$214.68$182.47$11,646.13
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3$7,627.00$2,100.54$0.00$0.00$0.00$25,970.29$5,491.44$1,165.35$342.75$51.4100$342.75$291.34$18,594.26
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4$7,979.00$2,987.54$0.00$0.00$0.00$36,936.83$5,744.88$1,655.06$486.78$73.0200$486.78$413.77$26,407.97
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5$8,474.00$3,996.15$0.00$0.00$0.00$49,406.98$6,101.28$2,210.63$650.19$97.5300$650.19$552.66$35,272.54
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6$8,728.00$5,115.88$0.00$0.00$0.00$63,250.86$6,284.16$2,825.86$831.13$124.6700$831.13$706.46$45,089.02
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7$8,994.00$6,357.55$0.00$0.00$0.00$78,602.41$6,475.68$3,506.40$1,031.29$154.6900$1,031.29$876.60$55,947.69
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8$9,240.00$7,730.13$0.00$0.00$0.00$95,572.54$6,652.80$4,256.83$1,252.01$187.8000$1,252.01$1,064.21$67,921.54
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9$9,240.00$9,223.50$0.00$0.00$0.00$114,036.04$6,652.80$5,071.05$1,491.49$223.7200$1,491.49$1,267.76$80,913.16
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10$9,500.00$10,871.17$0.00$0.00$0.00$134,407.21$6,840.00$5,967.21$1,755.06$263.2600$1,755.06$1,491.80$95,212.17
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11$9,500.00$12,663.83$0.00$0.00$0.00$156,571.05$6,840.00$6,939.55$2,041.04$306.1600$2,041.04$1,734.89$110,726.61
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12$10,000.00$14,658.25$0.00$0.00$0.00$181,229.30$7,200.00$8,019.01$2,358.53$353.7800$2,358.53$2,004.75$127,950.37
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13$10,000.00$16,828.18$0.00$0.00$0.00$208,057.48$7,200.00$9,190.23$2,703.01$405.4500$2,703.01$2,297.56$146,638.15
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14$10,500.00$19,233.06$0.00$0.00$0.00$237,790.54$7,560.00$10,485.47$3,083.96$462.5900$3,083.96$2,621.37$167,304.99
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15$11,000.00$21,893.57$0.00$0.00$0.00$270,684.10$7,920.00$11,915.30$3,504.50$525.6700$3,504.50$2,978.82$190,119.12
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16$12,000.00$24,876.20$0.00$0.00$0.00$307,560.31$8,640.00$13,515.62$3,975.18$596.2800$3,975.18$3,378.91$215,653.64
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17$13,000.00$28,209.31$0.00$0.00$0.00$348,769.61$9,360.00$15,300.93$4,500.27$675.0400$4,500.27$3,825.23$244,139.80
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18$14,000.00$31,923.73$0.00$0.00$0.00$394,693.34$10,080.00$17,286.95$5,084.40$762.6600$5,084.40$4,321.74$275,828.49
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19$15,000.00$36,053.01$0.00$0.00$0.00$445,746.35$10,800.00$19,490.74$5,732.57$859.8900$5,732.57$4,872.68$310,991.91
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20$15,500.00$40,589.68$0.00$0.00$0.00$501,836.03$11,160.00$21,906.33$6,443.04$966.4600$6,443.04$5,476.58$349,534.82
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21$15,500.00$45,525.57$0.00$0.00$0.00$562,861.60$11,160.00$24,527.25$7,213.90$1,082.0800$7,213.90$6,131.81$391,353.88
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22$16,500.00$50,983.82$0.00$0.00$0.00$630,345.42$11,880.00$27,419.90$8,064.68$1,209.7000$8,064.68$6,854.98$437,508.76
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23$16,500.00$56,922.40$0.00$0.00$0.00$703,767.82$11,880.00$30,558.44$8,987.78$1,348.1700$8,987.78$7,639.61$487,586.81
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24$16,500.00$63,383.57$0.00$0.00$0.00$783,651.39$11,880.00$33,963.74$9,989.34$1,498.4000$9,989.34$8,490.94$541,921.48
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25$17,000.00$70,457.32$0.00$0.00$0.00$871,108.71$12,240.00$37,682.98$11,083.23$1,662.4800$11,083.23$9,420.75$601,265.21
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26$17,500.00$78,197.57$0.00$0.00$0.00$966,806.28$12,600.00$41,742.83$12,277.30$1,841.6000$12,277.30$10,435.71$666,043.75
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27$17,500.00$86,618.95$0.00$0.00$0.00$1,070,925.23$12,600.00$46,147.78$13,572.88$2,035.9300$13,572.88$11,536.94$736,328.47
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28$18,000.00$95,825.42$0.00$0.00$0.00$1,184,750.65$12,960.00$50,951.62$14,985.77$2,247.8700$14,985.77$12,737.90$812,977.99
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29$18,000.00$105,842.06$0.00$0.00$0.00$1,308,592.71$12,960.00$56,163.78$16,518.76$2,477.8100$16,518.76$14,040.95$896,142.72
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30$18,000.00$116,740.16$0.00$0.00$0.00$1,443,332.86$12,960.00$61,818.99$18,182.05$2,727.3100$18,182.05$15,454.75$986,376.45
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Decumulation Phase31$0.00$127,013.29$57,733.31$16,165.33$41,567.99$1,512,612.840$67,073.60$19,727.53$2,959.13$19,727.53$2,959.13$39,455.06$33,536.80$1,050,490.92
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32$0.00$133,109.93$60,504.51$16,941.26$43,563.25$1,585,218.260$71,433.38$21,009.82$3,151.47$21,009.82$3,151.47$42,019.64$35,716.69$1,118,772.83
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33$0.00$139,499.21$63,408.73$17,754.44$45,654.29$1,661,308.730$76,076.55$22,375.46$3,356.32$22,375.46$3,356.32$44,750.91$38,038.28$1,191,493.07
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34$0.00$146,195.17$66,452.35$18,606.66$47,845.69$1,741,051.550$81,021.53$23,829.86$3,574.48$23,829.86$3,574.48$47,659.72$40,510.76$1,268,940.11
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35$0.00$153,212.54$69,642.06$19,499.78$50,142.28$1,824,622.030$86,287.93$25,378.80$3,806.82$25,378.80$3,806.82$50,757.60$43,143.96$1,351,421.22
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36$0.00$160,566.74$72,984.88$20,435.77$52,549.11$1,912,203.880$91,896.64$27,028.42$4,054.26$27,028.42$4,054.26$54,056.85$45,948.32$1,439,263.60
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37$0.00$168,273.94$76,488.16$21,416.68$55,071.47$2,003,989.670$97,869.92$28,785.27$4,317.79$28,785.27$4,317.79$57,570.54$48,934.96$1,532,815.74
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38$0.00$176,351.09$80,159.59$22,444.68$57,714.90$2,100,181.170$104,231.47$30,656.31$4,598.45$30,656.31$4,598.45$61,312.63$52,115.74$1,632,448.76
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39$0.00$184,815.94$84,007.25$23,522.03$60,485.22$2,200,989.870$111,006.52$32,648.98$4,897.35$32,648.98$4,897.35$65,297.95$55,503.26$1,738,557.93
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40$0.00$193,687.11$88,039.59$24,651.09$63,388.51$2,306,637.390$118,221.94$34,771.16$5,215.67$34,771.16$5,215.67$69,542.32$59,110.97$1,851,564.19
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Model No Fees
Historical w Fees