Retirement Income - How Much Do I Need?

Will You Run Out of Money Before You Run Out of Time?

One of the worst retirement nightmares occurrs when an individual's money runs out at a time when he or she needs it most - retirement.

Outlined in the chart below, the figures show how many years it will take for your investment principal and earnings to become fully depleted if you spend more money than your portfolio is actually earning.

How Many Years Until All Capital Is Depleted

Withdrawal	6%											37	*	*	*	*	*	*	*	*	*	*
7%	25	33	*	*	*	*	*	*	*	*	*
20	23	30	*	*	*	*	*	*	*	*
9%	16	18	22	29	*	*	*	*	*	*	*
10%	14	15	17	20	27	*	*	*	*	*	*
11%	12	14	15	17	20	25	*	*	*	*	*
12%	11	12	13	14	16	19	24	*	*	*	*
13%	10	11	11	12	14	15	18	23	*	*	*
14%	9	10	10	11	12	13	15	17	22	*	*
15%	8	9	9	10	11	11	13	14	16	21	*
16%	8	8	8	9	10	10	11	12	14	16	20
17%	7	8	8	8	9	9	10	11	12	13	15
18%	7	7	7	8	8	8	9	10	10	11	13
19%	6	7	7	7	8	8	8	9	9	10	11
20%	6	6	6	7	7	7	8	8	9	9	10

* = Capital will never be depleted at this combination of return and withdrawal.

Please Note: The above summary/prices/quotes/statistics have been obtained from sources we believe to be reliable, but we cannot guarantee accuracy or completeness. Past performance is no guarantee of future results.