Withdrawal Rates
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AssetAllocationExpected ReturnFees PaidContribution toDisclaimer: Do not blindly follow the spending percentages from this spreadsheet. I do not know if they form a safe plan or not. Think for yourself.
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(excluding HISA)(above inflation)(MER, etc.)Weighted Average
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Stocks100%4%0.12%3.88%
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Bonds0%0.00%Inputs are in yellow.
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Other0%0.00%
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Other0%0.00%
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Other0%0.00%
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Total:100%Weighted avg:3.88%This weighted average is a little pessimistic for portfolios with multiple asset classes because it ignores rebalancing gains. You can bump up the expected return of one asset class by 0.1% or so to compensate.
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HISA expected return above inflation0%
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Years of spending in HISA5
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Target life expectancy100
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Minimum expected remaining life10
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AgeHISA AllocationYear's SpendingCALCULATIONS
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(% of total portfolio(% of total portfolio
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including HISA)including HISA)Remaining lifePortfolio PVHISA PV
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1816.99%3.40%82$24.42$5.00
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1917.02%3.40%81$24.37$5.00
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2017.06%3.41%80$24.31$5.00
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2117.09%3.42%79$24.26$5.00
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2217.13%3.43%78$24.20$5.00
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2317.16%3.43%77$24.13$5.00
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2417.20%3.44%76$24.07$5.00
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2517.24%3.45%75$24.00$5.00
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2617.28%3.46%74$23.93$5.00
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2717.33%3.47%73$23.86$5.00
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2817.37%3.47%72$23.78$5.00
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2917.42%3.48%71$23.71$5.00
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3017.47%3.49%70$23.62$5.00
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3117.52%3.50%69$23.54$5.00
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3217.57%3.51%68$23.45$5.00
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3317.63%3.53%67$23.36$5.00
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3417.69%3.54%66$23.27$5.00
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3517.75%3.55%65$23.17$5.00
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3617.82%3.56%64$23.07$5.00
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3717.88%3.58%63$22.96$5.00
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3817.95%3.59%62$22.85$5.00
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3918.03%3.61%61$22.74$5.00
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4018.11%3.62%60$22.62$5.00
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4118.19%3.64%59$22.49$5.00
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4218.27%3.65%58$22.36$5.00
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4318.36%3.67%57$22.23$5.00
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4418.46%3.69%56$22.09$5.00
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4518.55%3.71%55$21.95$5.00
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4618.66%3.73%54$21.80$5.00
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4718.77%3.75%53$21.64$5.00
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4818.88%3.78%52$21.48$5.00
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4919.00%3.80%51$21.32$5.00
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5019.13%3.83%50$21.14$5.00
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5119.26%3.85%49$20.96$5.00
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5219.40%3.88%48$20.77$5.00
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5319.55%3.91%47$20.58$5.00
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5419.70%3.94%46$20.38$5.00
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5519.87%3.97%45$20.17$5.00
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5620.04%4.01%44$19.95$5.00
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5720.23%4.05%43$19.72$5.00
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5820.42%4.08%42$19.48$5.00
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5920.63%4.13%41$19.24$5.00
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6020.85%4.17%40$18.98$5.00
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6121.08%4.22%39$18.72$5.00
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6221.33%4.27%38$18.45$5.00
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6321.59%4.32%37$18.16$5.00
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6421.87%4.37%36$17.86$5.00
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6522.17%4.43%35$17.56$5.00
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6622.48%4.50%34$17.24$5.00
67
6722.83%4.57%33$16.91$5.00
68
6823.19%4.64%32$16.56$5.00
69
6923.58%4.72%31$16.20$5.00
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7024.00%4.80%30$15.83$5.00
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7124.46%4.89%29$15.44$5.00
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7224.95%4.99%28$15.04$5.00
73
7325.48%5.10%27$14.62$5.00
74
7426.05%5.21%26$14.19$5.00
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7526.68%5.34%25$13.74$5.00
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7627.36%5.47%24$13.27$5.00
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7728.11%5.62%23$12.79$5.00
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7828.93%5.79%22$12.28$5.00
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7929.83%5.97%21$11.76$5.00
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8030.83%6.17%20$11.22$5.00
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8131.95%6.39%19$10.65$5.00
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8233.19%6.64%18$10.06$5.00
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8334.59%6.92%17$9.45$5.00
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8436.18%7.24%16$8.82$5.00
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8537.99%7.60%15$8.16$5.00
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8640.07%8.01%14$7.48$5.00
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8742.49%8.50%13$6.77$5.00
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8845.33%9.07%12$6.03$5.00
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8948.72%9.74%11$5.26$5.00
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9052.81%10.56%10$4.47$5.00
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9152.81%10.56%10$4.47$5.00
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9252.81%10.56%10$4.47$5.00
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9352.81%10.56%10$4.47$5.00
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9452.81%10.56%10$4.47$5.00
95
9552.81%10.56%10$4.47$5.00
96
9652.81%10.56%10$4.47$5.00
97
9752.81%10.56%10$4.47$5.00
98
9852.81%10.56%10$4.47$5.00
99
9952.81%10.56%10$4.47$5.00
100
10052.81%10.56%10$4.47$5.00
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