Sequence-of-Returns Risk Example - Growing Wealth

	A	B	C	E	F	G
1	Sequence-of-Returns Risk Example
2	How a $100,000 Investment Could Last Forever OR 15 Years
3	Created by Julie Rains. © 2022 Hall and Rowe Media, LLC. All Rights Reserved.
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5				Spend on College	Steady Returns	Uneven Returns
6	Year	Steady Returns	Uneven Returns	(Withdraw End of Year)	Account Balance	Account Balance
7	1	10%	-20%	$10,000	$100,000	$70,000
8	2	10%	-20%	$10,000	$100,000	$46,000
9	3	10%	40%	$10,000	$100,000	$54,400
10	4	10%	40%	$10,000	$100,000	$66,160
11	5	10%	10%	$10,000	$100,000	$62,776
12	6	10%	10%	$10,000	$100,000	$59,054
13	7	10%	10%	$10,000	$100,000	$54,959
14	8	10%	10%	$10,000	$100,000	$50,455
15	9	10%	10%	$10,000	$100,000	$45,500
16	10	10%	10%	$10,000	$100,000	$40,050
17	11	10%	10%	$10,000	$100,000	$34,055
18	12	10%	10%	$10,000	$100,000	$27,461
19	13	10%	10%	$10,000	$100,000	$20,207
20	14	10%	10%	$10,000	$100,000	$12,228
21	15	10%	10%	$10,000	$100,000	$3,451
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23	Totals of Returns	150%	150%
24	Average Return	10%	10%
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