UnThreaded | Threaded | Whole Thread (94) | Ignore Thread Prev | Next
Author: InvestMechanic Three stars, 500 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 76421  
Subject: Re: 30-Year Retirment at 4.5% Withdrawal Rate Date: 5/13/2007 1:54 PM
Post New | Post Reply | Reply Later | Create Poll Report this Post | Recommend it!
Recommendations: 0
Here is the same thing except using the total stock 
market returns for the 30 years 1927-1956:

		January 1			                  December 31			
		          4.5%						
Year	Nest Egg	Withdrawal	Nest Egg	Earnings	Nest Egg	Year	Net After Tax 	TSM
1	$1,000,000 	$45,000 	$955,000 	$318,397 	$1,273,397 	1	$31,500 	33.34%
2	$1,273,397 	$57,303 	$1,216,094 	$472,939 	$1,689,033 	2	$40,112 	38.89%
3	$1,689,033 	$76,006 	$1,613,027 	($236,147)	$1,376,880 	3	$53,205 	-14.64%
4	$1,376,880 	$61,960 	$1,314,920 	($375,936)	$938,984 	4	$43,372 	-28.59%
5	$938,984 	$42,254 	$896,730 	($398,866)	$497,865 	5	$29,578 	-44.48%
6	$497,865 	$22,404 	$475,461 	($44,693)	$430,767 	6	$15,683 	-9.40%
7	$430,767 	$19,385 	$411,383 	$237,491 	$648,874 	7	$13,569 	57.73%
8	$648,874 	$29,199 	$619,675 	$26,212 	$645,887 	8	$20,440 	4.23%
9	$645,887 	$29,065 	$616,822 	$275,534 	$892,356 	9	$20,345 	44.67%
10	$892,356 	$40,156 	$852,200 	$277,391 	$1,129,592 	10	$28,109 	32.55%
11	$1,129,592 	$50,832 	$1,078,760 	($373,467)	$705,293 	11	$35,582 	-34.62%
12	$705,293 	$31,738 	$673,555 	$189,740 	$863,296 	12	$22,217 	28.17%
13	$863,296 	$38,848 	$824,447 	$16,159 	$840,606 	13	$27,194 	1.96%
14	$840,606 	$37,827 	$802,779 	($59,727)	$743,052 	14	$26,479 	-7.44%
15	$743,052 	$33,437 	$709,615 	($68,336)	$641,279 	15	$23,406 	-9.63%
16	$641,279 	$28,858 	$612,422 	$98,661 	$711,083 	16	$20,200 	16.11%
17	$711,083 	$31,999 	$679,084 	$191,434 	$870,518 	17	$22,399 	28.19%
18	$870,518 	$39,173 	$831,344 	$177,991 	$1,009,335 	18	$27,421 	21.41%
19	$1,009,335 	$45,420 	$963,915 	$370,336 	$1,334,251 	19	$31,794 	38.42%
20	$1,334,251 	$60,041 	$1,274,210 	($75,433)	$1,198,777 	20	$42,029 	-5.92%
21	$1,198,777 	$53,945 	$1,144,832 	$38,695 	$1,183,527 	21	$37,761 	3.38%
22	$1,183,527 	$53,259 	$1,130,268 	$26,222 	$1,156,491 	22	$37,281 	2.32%
23	$1,156,491 	$52,042 	$1,104,449 	$223,761 	$1,328,210 	23	$36,429 	20.26%
24	$1,328,210 	$59,769 	$1,268,440 	$376,473 	$1,644,914 	24	$41,839 	29.68%
25	$1,644,914 	$74,021 	$1,570,893 	$327,845 	$1,898,738 	25	$51,815 	20.87%
26	$1,898,738 	$85,443 	$1,813,295 	$241,350 	$2,054,644 	26	$59,810 	13.31%
27	$2,054,644 	$92,459 	$1,962,185 	$6,475 	$1,968,660 	27	$64,721 	0.33%
28	$1,968,660 	$88,590 	$1,880,071 	$944,923 	$2,824,994 	28	$62,013 	50.26%
29	$2,824,994 	$127,125 	$2,697,869 	$682,561 	$3,380,430 	29	$88,987 	25.30%
30	$3,380,430 	$152,119 	$3,228,311 	$273,761 	$3,502,072 	30	$106,484 	8.48%
Post New | Post Reply | Reply Later | Create Poll Report this Post | Recommend it!
Print the post  
UnThreaded | Threaded | Whole Thread (94) | Ignore Thread Prev | Next

Announcements

The Retire Early Home Page
Discussion on accelerating retirement day.
Foolanthropy 2014!
By working with young, first-time moms, Nurse-Family Partnership is able to truly change lives – for generations to come.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Post of the Day:
Macro Economics

Looking at Currency Ratios
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
Community Home
Speak Your Mind, Start Your Blog, Rate Your Stocks

Community Team Fools - who are those TMF's?
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and "#1 Media Company to Work For" (BusinessInsider 2011)! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.
Advertisement