Wmacky Flight Plan

	A	B	C	D	E	F	G	H	I	J	K
1		2025	2026	2027	2028	2029	2030	2031	2032	2033	2034
2	Spending Level (3% Inflation)	120	124	127	131	135	139	143	148	152	157
3
4	Other Income
5	Current Social Security (3% COLA)					48	49	51	52	54	56
6	Future Social Security (3% COLA)
7	Total Income	-	-	-	-	48	49	51	52	54	56
8
9	Net Outflow	(120)	(124)	(127)	(131)	(87)	(90)	(92)	(95)	(98)	(101)
10	Dividends	31	29	27	27	26	27	28	28	29	30
11	Redeemed from Investments	89	95	101	105	61	63	65	67	69	71
12	Beginning Cash Position	250	250	250	250	250	250	250	250	250	250
13	Ending Cash Position	250	250	250	250	250	250	250	250	250	250
14
15	Investments
16	Beginning of Year	1,500	1,511	1,537	1,560	1,580	1,646	1,715	1,787	1,863	1,944
17	Price Returns	100	121	123	125	126	132	137	143	149	155
18	Redeemed from Investments	(89)	(95)	(101)	(105)	(61)	(63)	(65)	(67)	(69)	(71)
19	End of Year	1,511	1,537	1,560	1,580	1,646	1,715	1,787	1,863	1,944	2,028
20
21	Dividends	31	29	27	27	26	27	28	28	29	30
22	Redeemed from Investments	89	95	101	105	61	63	65	67	69	71
23	Total Investment Return	120	124	127	131	87	90	92	95	98	101
24
25	Withdrawal Rate
26	Dividends	2.1%	1.9%	1.7%	1.7%	1.7%	1.6%	1.6%	1.6%	1.6%	1.5%
27	Redeemed from Investments	5.9%	6.3%	6.6%	6.7%	3.8%	3.8%	3.8%	3.7%	3.7%	3.7%
28	Total Withdrawal Rate	8.0%	8.2%	8.3%	8.4%	5.5%	5.4%	5.4%	5.3%	5.3%	5.2%
29
30	Age at end of Year	63	64	65	66	67	68	69	70	71	72
31
32	Investment Detail
33	VOO
34	Price Return	8.0%	8.0%	8.0%	8.0%	8.0%	8.0%	8.0%	8.0%	8.0%	8.0%
35	Dividend Return	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%	1.5%
36	Total Return	9.5%	9.5%	9.5%	9.5%	9.5%	9.5%	9.5%	9.5%	9.5%	9.5%
37
38	Account Value
39	Beginning of Year	1,250	1,261	1,267	1,268	1,265	1,306	1,347	1,391	1,435	1,481
40	Change in Value	100	101	101	101	101	104	108	111	115	118
41	Redemptions	(89)	(95)	(101)	(105)	(61)	(63)	(65)	(67)	(69)	(71)
42	End of Year	1,261	1,267	1,268	1,265	1,306	1,347	1,391	1,435	1,481	1,528
43
44	Dividends	19	19	19	19	19	20	20	21	22	22
45
46	Money Market
47	Price Return	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
48	Dividend Return	5.0%	4.0%	3.0%	3.0%	3.0%	3.0%	3.0%	3.0%	3.0%	3.0%
49	Total Return	5.0%	4.0%	3.0%	3.0%	3.0%	3.0%	3.0%	3.0%	3.0%	3.0%
50
51	Beginning of Year	250	250	250	250	250	250	250	250	250	250
52	Change in Value	0	0	0	0	0	0	0	0	0	0
53	Redemptions
54	End of Year	250	250	250	250	250	250	250	250	250	250
55
56	Dividends	13	10	8	8	8	8	8	8	8	8
57
58	Total Return	131	130	128	128	128	132	135	140	144	148
59	Return Percentage (Based on BOY)	8.8%	8.6%	8.3%	8.2%	8.1%	8.0%	7.9%	7.8%	7.7%	7.6%
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