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Average Income Graph
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Ending Value Graph
Income Volatility Graph
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Average Income Graph

The following graphs show the average (inflation adjusted) income for each of the 54 different 30 year retirement scenarios.  This data was generated using an initial portfolio value of $1,000,000, and compares the  initial withdrawal target of $44,000 and $55,000 with the asset allocations listed. See the Methodology chapter for the exact withdrawal methodology.

Note that there are some starting years where the 5.5% withdrawal target and the 4.4% withdrawal target generate roughly the same average income. There aren't years where the 5.5% withdrawal target actually generates a lower (inflation adjusted) income.


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