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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 75335  
Subject: Re: 30-Year Retirment at 4.5% Withdrawal Rate Date: 5/13/2007 2:22 PM
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Starting in 1970:

		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 	$764 	$955,764 	1	$31,500 	0.08%
2	$955,764 	$43,009 	$912,755 	$147,866 	$1,060,621 	2	$30,107 	16.20%
3	$1,060,621 	$47,728 	$1,012,893 	$175,636 	$1,188,529 	3	$33,410 	17.34%
4	$1,188,529 	$53,484 	$1,135,045 	($213,048)	$921,997 	4	$37,439 	-18.77%
5	$921,997 	$41,490 	$880,507 	($246,014)	$634,493 	5	$29,043 	-27.94%
6	$634,493 	$28,552 	$605,941 	$226,380 	$832,321 	6	$19,987 	37.36%
7	$832,321 	$37,454 	$794,866 	$212,706 	$1,007,573 	7	$26,218 	26.76%
8	$1,007,573 	$45,341 	$962,232 	($28,578)	$933,654 	8	$31,739 	-2.97%
9	$933,654 	$42,014 	$891,639 	$76,235 	$967,874 	9	$29,410 	8.55%
10	$967,874 	$43,554 	$924,320 	$225,626 	$1,149,946 	10	$30,488 	24.41%
11	$1,149,946 	$51,748 	$1,098,199 	$364,931 	$1,463,130 	11	$36,223 	33.23%
12	$1,463,130 	$65,841 	$1,397,289 	($55,612)	$1,341,677 	12	$46,089 	-3.98%
13	$1,341,677 	$60,375 	$1,281,302 	$261,642 	$1,542,944 	13	$42,263 	20.42%
14	$1,542,944 	$69,432 	$1,473,511 	$333,750 	$1,807,261 	14	$48,603 	22.65%
15	$1,807,261 	$81,327 	$1,725,935 	$54,712 	$1,780,647 	15	$56,929 	3.17%
16	$1,780,647 	$80,129 	$1,700,518 	$534,133 	$2,234,650 	16	$56,090 	31.41%
17	$2,234,650 	$100,559 	$2,134,091 	$332,065 	$2,466,156 	17	$70,391 	15.56%
18	$2,466,156 	$110,977 	$2,355,179 	$42,864 	$2,398,043 	18	$77,684 	1.82%
19	$2,398,043 	$107,912 	$2,290,131 	$402,147 	$2,692,278 	19	$75,538 	17.56%
20	$2,692,278 	$121,153 	$2,571,125 	$731,228 	$3,302,354 	20	$84,807 	28.44%
21	$3,302,354 	$148,606 	$3,153,748 	($191,748)	$2,962,000 	21	$104,024 	-6.08%
22	$2,962,000 	$133,290 	$2,828,710 	$951,861 	$3,780,571 	22	$93,303 	33.65%
23	$3,780,571 	$170,126 	$3,610,445 	$327,106 	$3,937,551 	23	$119,088 	9.06%
24	$3,937,551 	$177,190 	$3,760,361 	$435,826 	$4,196,187 	24	$124,033 	11.59%
25	$4,196,187 	$188,828 	$4,007,359 	($30,456)	$3,976,903 	25	$132,180 	-0.76%
26	$3,976,903 	$178,961 	$3,797,942 	$1,354,726 	$5,152,668 	26	$125,272 	35.67%
27	$5,152,668 	$231,870 	$4,920,798 	$1,041,241 	$5,962,039 	27	$162,309 	21.16%
28	$5,962,039 	$268,292 	$5,693,747 	$1,726,914 	$7,420,661 	28	$187,804 	30.33%
29	$7,420,661 	$333,930 	$7,086,731 	$1,578,924 	$8,665,655 	29	$233,751 	22.28%
30	$8,665,655 	$389,954 	$8,275,701 	$2,090,442 	$10,366,143 	30	$272,968 	25.26%
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