ABCDEFGHIJKLMNOPQRSTUVWXYZAA
1
2
This is the actuarial method with adjustment factor:This is the existing baseline pralana actuarial method:
3
4
annual spending growth adjustment:-0.25%
(Keep small!)
3.00%
pmt discount rate
3.00%
discount rate
5
 $ 60,000 Portfolio on 12/31 of previous yearAmortized w/d on jan1essential expensesvariable w/dExpected Returnporfolio on jan 2ndspending rateportfolio on 12/31 of previous yearAmortized w/d on jan 1essentialvariablereturnleft on january 2ndspending rate
6
1 $ 2,000,000 $ 87,327 $ 27,327 3.00% $ 1,912,673 4.4% $ 2,000,000 $84,005 $ 60,000 $ 24,005 3.00% $ 1,915,995 4.2%
7
2 $ 1,970,053 $ 87,109 $ 60,000 $ 27,109 3.00% $ 1,882,945 4.4% $ 1,973,475 $84,005 $ 60,000 $ 24,005 3.00% $ 1,889,471 4.3%
8
3 $ 1,939,433 $ 86,891 $ 60,000 $ 26,891 3.00% $ 1,852,542 4.5% $ 1,946,155 $84,005 $ 60,000 $ 24,005 3.00% $ 1,862,150 4.3%
9
4 $ 1,908,119 $ 86,674 $ 60,000 $ 26,674 3.00% $ 1,821,445 4.5% $ 1,918,015 $84,005 $ 60,000 $ 24,005 3.00% $ 1,834,010 4.4%
10
5 $ 1,876,089 $ 86,457 $ 60,000 $ 26,457 3.00% $ 1,789,632 4.6% $ 1,889,030 $84,005 $ 60,000 $ 24,005 3.00% $ 1,805,026 4.4%
11
6 $ 1,843,321 $ 86,241 $ 60,000 $ 26,241 3.00% $ 1,757,080 4.7% $ 1,859,176 $84,005 $ 60,000 $ 24,005 3.00% $ 1,775,172 4.5%
12
7 $ 1,809,792 $ 86,025 $ 60,000 $ 26,025 3.00% $ 1,723,767 4.8% $ 1,828,427 $84,005 $ 60,000 $ 24,005 3.00% $ 1,744,422 4.6%
13
8 $ 1,775,480 $ 85,810 $ 60,000 $ 25,810 3.00% $ 1,689,670 4.8% $ 1,796,755 $84,005 $ 60,000 $ 24,005 3.00% $ 1,712,750 4.7%
14
9 $ 1,740,360 $ 85,596 $ 60,000 $ 25,596 3.00% $ 1,654,765 4.9% $ 1,764,133 $84,005 $ 60,000 $ 24,005 3.00% $ 1,680,128 4.8%
15
10 $ 1,704,408 $ 85,382 $ 60,000 $ 25,382 3.00% $ 1,619,026 5.0% $ 1,730,532 $84,005 $ 60,000 $ 24,005 3.00% $ 1,646,528 4.9%
16
11 $ 1,667,597 $ 85,168 $ 60,000 $ 25,168 3.00% $ 1,582,429 5.1% $ 1,695,923 $84,005 $ 60,000 $ 24,005 3.00% $ 1,611,919 5.0%
17
12 $ 1,629,902 $ 84,955 $ 60,000 $ 24,955 3.00% $ 1,544,947 5.2% $ 1,660,276 $84,005 $ 60,000 $ 24,005 3.00% $ 1,576,272 5.1%
18
13 $ 1,591,295 $ 84,743 $ 60,000 $ 24,743 3.00% $ 1,506,552 5.3% $ 1,623,560 $84,005 $ 60,000 $ 24,005 3.00% $ 1,539,555 5.2%
19
14 $ 1,551,749 $ 84,531 $ 60,000 $ 24,531 3.00% $ 1,467,218 5.4% $ 1,585,742 $84,005 $ 60,000 $ 24,005 3.00% $ 1,501,737 5.3%
20
15 $ 1,511,235 $ 84,320 $ 60,000 $ 24,320 3.00% $ 1,426,915 5.6% $ 1,546,789 $84,005 $ 60,000 $ 24,005 3.00% $ 1,462,785 5.4%
21
16 $ 1,469,722 $ 84,109 $ 60,000 $ 24,109 3.00% $ 1,385,614 5.7% $ 1,506,668 $84,005 $ 60,000 $ 24,005 3.00% $ 1,422,664 5.6%
22
17 $ 1,427,182 $ 83,899 $ 60,000 $ 23,899 3.00% $ 1,343,284 5.9% $ 1,465,344 $84,005 $ 60,000 $ 24,005 3.00% $ 1,381,339 5.7%
23
18 $ 1,383,582 $ 83,689 $ 60,000 $ 23,689 3.00% $ 1,299,893 6.0% $ 1,422,779 $84,005 $ 60,000 $ 24,005 3.00% $ 1,338,775 5.9%
24
19 $ 1,338,890 $ 83,480 $ 60,000 $ 23,480 3.00% $ 1,255,411 6.2% $ 1,378,938 $84,005 $ 60,000 $ 24,005 3.00% $ 1,294,933 6.1%
25
20 $ 1,293,073 $ 83,271 $ 60,000 $ 23,271 3.00% $ 1,209,802 6.4% $ 1,333,781 $84,005 $ 60,000 $ 24,005 3.00% $ 1,249,777 6.3%
26
21 $ 1,246,096 $ 83,063 $ 60,000 $ 23,063 3.00% $ 1,163,033 6.7% $ 1,287,270 $84,005 $ 60,000 $ 24,005 3.00% $ 1,203,265 6.5%
27
22 $ 1,197,924 $ 82,855 $ 60,000 $ 22,855 3.00% $ 1,115,069 6.9% $ 1,239,363 $84,005 $ 60,000 $ 24,005 3.00% $ 1,155,359 6.8%
28
23 $ 1,148,522 $ 82,648 $ 60,000 $ 22,648 3.00% $ 1,065,874 7.2% $ 1,190,019 $84,005 $ 60,000 $ 24,005 3.00% $ 1,106,015 7.1%
29
24 $ 1,097,850 $ 82,441 $ 60,000 $ 22,441 3.00% $ 1,015,409 7.5% $ 1,139,195 $84,005 $ 60,000 $ 24,005 3.00% $ 1,055,191 7.4%
30
25 $ 1,045,871 $ 82,235 $ 60,000 $ 22,235 3.00% $ 963,636 7.9% $ 1,086,846 $84,005 $ 60,000 $ 24,005 3.00% $ 1,002,842 7.7%
31
26 $ 992,545 $ 82,030 $ 60,000 $ 22,030 3.00% $ 910,515 8.3% $ 1,032,927 $84,005 $ 60,000 $ 24,005 3.00% $ 948,922 8.1%
32
27 $ 937,831 $ 81,824 $ 60,000 $ 21,824 3.00% $ 856,006 8.7% $ 977,390 $84,005 $ 60,000 $ 24,005 3.00% $ 893,385 8.6%
33
28 $ 881,686 $ 81,620 $ 60,000 $ 21,620 3.00% $ 800,066 9.3% $ 920,187 $84,005 $ 60,000 $ 24,005 3.00% $ 836,182 9.1%
34
29 $ 824,068 $ 81,416 $ 60,000 $ 21,416 3.00% $ 742,653 9.9% $ 861,268 $84,005 $ 60,000 $ 24,005 3.00% $ 777,263 9.8%
35
30 $ 764,932 $ 81,212 $ 60,000 $ 21,212 3.00% $ 683,720 10.6% $ 800,581 $84,005 $ 60,000 $ 24,005 3.00% $ 716,576 10.5%
36
31 $ 704,231 $ 81,009 $ 60,000 $ 21,009 3.00% $ 623,222 11.5% $ 738,074 $84,005 $ 60,000 $ 24,005 3.00% $ 654,069 11.4%
37
32 $ 641,919 $ 80,807 $ 60,000 $ 20,807 3.00% $ 561,112 12.6% $ 673,691 $84,005 $ 60,000 $ 24,005 3.00% $ 589,687 12.5%
38
33 $ 577,945 $ 80,605 $ 60,000 $ 20,605 3.00% $ 497,341 13.9% $ 607,377 $84,005 $ 60,000 $ 24,005 3.00% $ 523,373 13.8%
39
34 $ 512,261 $ 80,403 $ 60,000 $ 20,403 3.00% $ 431,858 15.7% $ 539,074 $84,005 $ 60,000 $ 24,005 3.00% $ 455,069 15.6%
40
35 $ 444,813 $ 80,202 $ 60,000 $ 20,202 3.00% $ 364,611 18.0% $ 468,721 $84,005 $ 60,000 $ 24,005 3.00% $ 384,717 17.9%
41
36 $ 375,549 $ 80,002 $ 60,000 $ 20,002 3.00% $ 295,548 21.3% $ 396,258 $84,005 $ 60,000 $ 24,005 3.00% $ 312,253 21.2%
42
37 $ 304,414 $ 79,802 $ 60,000 $ 19,802 3.00% $ 224,612 26.2% $ 321,621 $84,005 $ 60,000 $ 24,005 3.00% $ 237,616 26.1%
43
38 $ 231,351 $ 79,602 $ 60,000 $ 19,602 3.00% $ 151,749 34.4% $ 244,745 $84,005 $ 60,000 $ 24,005 3.00% $ 160,740 34.3%
44
39 $ 156,301 $ 79,403 $ 60,000 $ 19,403 3.00% $ 76,898 50.8% $ 165,562 $84,005 $ 60,000 $ 24,005 3.00% $ 81,558 50.7%
45
40 $ 79,205 $ 79,205 $ 60,000 $ 19,205 3.00% $ - 100.0% $ 84,005 $84,005 $ 60,000 $ 24,005 3.00% $ 0 100.0%
46
41 $ - $ -
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100