The Commerce Company

5440 Southwest Westgate Drive
Suite 110
Portland, OR 97221
503-203-8585
thecommco@thecommco.com
thecommco.com
 
 




Retirement Sustainable Withdrawal Rate Accumulation Projection
Retirement Sustainable Withdrawal Rate Accumulation Projection

This calculator compares:

(1) Desired annual income in retirement (adjusted for inflation), to

(2) The amount of annual income that might be generated based on projected retirement resources and a given intial portfolio withdrawal percentage.

$

Enter a number that represents total anticipated income shortfall in retirement after factoring in Social Security retirement income, pension income, and all other known sources of income.

$

Enter total value of current retirement savings, including 401(k) plans and IRAs.

$

Enter amount, if any, of estimated future periodic contributions to retirement savings.

Enter number of years until retirement. If you enter 30, for example, retirement takes place in year 31.

Select withdrawal percentage for comparison purposes. For example, if you enter 4%, the calculator will compare desired income to retirement savings withdrawals based on portfolio withdrawals equal to 4% of portfolio value in first year of retirement.



This calculator assumes that all taxes due on retirement investment portfolio prior to retirement are paid with outside funds. The calculator assumes that all distributions made in retirement are fully taxable at the specified tax rate.

This is a hypothetical example and is not intended to reflect the actual performance of any specific investment, nor is it an estimate or guarantee of future value. Investment fees and expenses have not been deducted. If they had been, the results would have been lower. When making an investment decision, investors should consider their personal investment horizons and income tax brackets, both current and anticipated, as these may further impact the results of this comparison.

This illustration assumes a fixed annual rate of return; the rate of return on your actual investment portfolio will be different and will vary over time, according to actual market performance. This is particularly true for long-term investments. It is important to note that investments offering the potential for higher rates of return also involve a higher degree of risk to principal.



This information, developed by an independent third party, has been obtained from sources considered to be reliable, but Raymond James Financial Services, Inc. does not guarantee that the foregoing material is accurate or complete. This information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. The information contained in this report does not purport to be a complete description of the securities, markets, or developments referred to in this material. This information is not intended as a solicitation or an offer to buy or sell any security referred to herein. Investments mentioned may not be suitable for all investors. The material is general in nature. Past performance may not be indicative of future results. Raymond James Financial Services, Inc. does not provide advice on tax, legal or mortgage issues. These matters should be discussed with the appropriate professional.

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, an independent broker/dealer, and are not insured by FDIC, NCUA or any other government agency, are not deposits or obligations of the financial institution, are not guaranteed by the financial institution, and are subject to risks, including the possible loss of principal.  Investment advisory services offered through Raymond James Financial Services Advisors, Inc.  The Commerce Company is not a registered broker/dealer and is independent of Raymond James Financial Services, Inc.


Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2019.