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Expected returns
PortfolioTaxes
Years (investment horizon)
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Equity6%IBKR 150,000 Marginal Income tax25%25
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Dividends2.00%3a 50,000 Marginal wealth tax0.10%
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Capital gains4.00% 200,000
Lumpsum withdrawal tax
7.0%
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Fields in yellow can be edited
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Bonds2.00%
Asset allocation (IBKR + 3a)
Fees
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Interest1.00%Equity75%3a0.40%
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Capital gains1.00%Bonds25%IBKR (equity)0.10%
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IBKR( bond etf)0.10%
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Investment value
Value after the investment period
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Portfolio
Bonds %
Bonds value
Bonds in 3a %
Equity in 3a
Bonds in 3aBonds in IBKR
Equity in IBKR
Equity 3aBonds 3aTotal 3a
Total 3a post tax
Equity IBKR
Bonds IBKR
Total IBKRTotal
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 200,000 25% 50,000 10% 45,000 5,000 45,000 105,000 175,716 7,436 183,151 170,331 381,855 66,101 447,956 618,287
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 200,000 25% 50,000 15% 42,500 7,500 42,500 107,500 165,954 11,153 177,107 164,710 390,947 62,429 453,376 618,085
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 200,000 25% 50,000 20% 40,000 10,000 40,000 110,000 156,192 14,871 171,063 159,088 400,039 58,757 458,795 617,884
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 200,000 25% 50,000 25% 37,500 12,500 37,500 112,500 146,430 18,589 165,019 153,467 409,130 55,085 464,215 617,682
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 200,000 25% 50,000 30% 35,000 15,000 35,000 115,000 136,668 22,307 158,974 147,846 418,222 51,412 469,634 617,481
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 200,000 25% 50,000 35% 32,500 17,500 32,500 117,500 126,906 26,024 152,930 142,225 427,314 47,740 475,054 617,279
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 200,000 25% 50,000 40% 30,000 20,000 30,000 120,000 117,144 29,742 146,886 136,604 436,406 44,068 480,473 617,077
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 200,000 25% 50,000 45% 27,500 22,500 27,500 122,500 107,382 33,460 140,842 130,983 445,498 40,395 485,893 616,876
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 200,000 25% 50,000 50% 25,000 25,000 25,000 125,000 97,620 37,178 134,798 125,362 454,589 36,723 491,312 616,674
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 200,000 25% 50,000 55% 22,500 27,500 22,500 127,500 87,858 40,895 128,753 119,741 463,681 33,051 496,732 616,472
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 200,000 25% 50,000 60% 20,000 30,000 20,000 130,000 78,096 44,613 122,709 114,119 472,773 29,378 502,151 616,271
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 200,000 25% 50,000 65% 17,500 32,500 17,500 132,500 68,334 48,331 116,665 108,498 481,865 25,706 507,571 616,069
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 200,000 25% 50,000 70% 15,000 35,000 15,000 135,000 58,572 52,049 110,621 102,877 490,957 22,034 512,990 615,868
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 200,000 25% 50,000 75% 12,500 37,500 12,500 137,500 48,810 55,767 104,576 97,256 500,048 18,362 518,410 615,666
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 200,000 25% 50,000 80% 10,000 40,000 10,000 140,000 39,048 59,484 98,532 91,635 509,140 14,689 523,829 615,464
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 200,000 25% 50,000 85% 7,500 42,500 7,500 142,500 29,286 63,202 92,488 86,014 518,232 11,017 529,249 615,263
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 200,000 25% 50,000 90% 5,000 45,000 5,000 145,000 19,524 66,920 86,444 80,393 527,324 7,345 534,668 615,061
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 200,000 25% 50,000 95% 2,500 47,500 2,500 147,500 9,762 70,638 80,400 74,772 536,415 3,672 540,088 614,859
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 200,000 25% 50,000 100% - 50,000 - 150,000 - 74,355 74,355 69,151 545,507 - 545,507 614,658
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