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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 75383  
Subject: Re: 30-Year Retirment at 4.5% Withdrawal Rate Date: 5/13/2007 2:32 PM
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Per your request starting in 1965 and retiring over 30 years:

		January 1			                  December 31			
		          4.5%						
Year	Nest Egg	Withdrawal	Nest Egg	Earnings	Nest Egg	Year	Net After Tax 	
1	$1,000,000 	$45,000 	$955,000 	$137,425 	$1,092,425 	1	$31,500 	14.39%
2	$1,092,425 	$49,159 	$1,043,265 	($90,660)	$952,606 	2	$34,411 	-8.69%
3	$952,606 	$42,867 	$909,738 	$259,912 	$1,169,651 	3	$30,007 	28.57%
4	$1,169,651 	$52,634 	$1,117,016 	$158,281 	$1,275,298 	4	$36,844 	14.17%
5	$1,275,298 	$57,388 	$1,217,909 	($132,021)	$1,085,888 	5	$40,172 	-10.84%
6	$1,085,888 	$48,865 	$1,037,023 	$830 	$1,037,852 	6	$34,205 	0.08%
7	$1,037,852 	$46,703 	$991,149 	$160,566 	$1,151,715 	7	$32,692 	16.20%
8	$1,151,715 	$51,827 	$1,099,888 	$190,721 	$1,290,609 	8	$36,279 	17.34%
9	$1,290,609 	$58,077 	$1,232,531 	($231,346)	$1,001,185 	9	$40,654 	-18.77%
10	$1,001,185 	$45,053 	$956,132 	($267,143)	$688,989 	10	$31,537 	-27.94%
11	$688,989 	$31,004 	$657,984 	$245,823 	$903,807 	11	$21,703 	37.36%
12	$903,807 	$40,671 	$863,136 	$230,975 	$1,094,111 	12	$28,470 	26.76%
13	$1,094,111 	$49,235 	$1,044,876 	($31,033)	$1,013,843 	13	$34,464 	-2.97%
14	$1,013,843 	$45,623 	$968,220 	$82,783 	$1,051,003 	14	$31,936 	8.55%
15	$1,051,003 	$47,295 	$1,003,708 	$245,005 	$1,248,713 	15	$33,107 	24.41%
16	$1,248,713 	$56,192 	$1,192,521 	$396,275 	$1,588,795 	16	$39,334 	33.23%
17	$1,588,795 	$71,496 	$1,517,300 	($60,389)	$1,456,911 	17	$50,047 	-3.98%
18	$1,456,911 	$65,561 	$1,391,350 	$284,114 	$1,675,464 	18	$45,893 	20.42%
19	$1,675,464 	$75,396 	$1,600,068 	$362,415 	$1,962,483 	19	$52,777 	22.65%
20	$1,962,483 	$88,312 	$1,874,171 	$59,411 	$1,933,583 	20	$61,818 	3.17%
21	$1,933,583 	$87,011 	$1,846,571 	$580,008 	$2,426,580 	21	$60,908 	31.41%
22	$2,426,580 	$109,196 	$2,317,384 	$360,585 	$2,677,968 	22	$76,437 	15.56%
23	$2,677,968 	$120,509 	$2,557,460 	$46,546 	$2,604,006 	23	$84,356 	1.82%
24	$2,604,006 	$117,180 	$2,486,825 	$436,687 	$2,923,512 	24	$82,026 	17.56%
25	$2,923,512 	$131,558 	$2,791,954 	$794,032 	$3,585,986 	25	$92,091 	28.44%
26	$3,585,986 	$161,369 	$3,424,616 	($208,217)	$3,216,399 	26	$112,959 	-6.08%
27	$3,216,399 	$144,738 	$3,071,662 	$1,033,614 	$4,105,276 	27	$101,317 	33.65%
28	$4,105,276 	$184,737 	$3,920,538 	$355,201 	$4,275,739 	28	$129,316 	9.06%
29	$4,275,739 	$192,408 	$4,083,331 	$473,258 	$4,556,589 	29	$134,686 	11.59%
30	$4,556,589 	$205,046 	$4,351,542 	($33,072)	$4,318,471 	30	$143,533 	-0.76%
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