SRC Screen Shots

Run on 2-12-2011

Assumptions

40 years projection beginning in 2011:

• • Assuming 1.5% annual investment growth, 30.0% future tax rate, and target annual expenses of

    • $82,500 in retirement. The initial portfolio value is $825,000 (taxable), $75,000 (tax-exempt).

  • A. Boomer, born 1960, plans to retire in 2020 at age 60.

    • Annual contribution to portfolio:$16,500 taxable, $2,500 tax-exempt.

    • Annual Soc. Sec. benefits $22,500 beginning in 2027.

  • B. Boomer, born 1965, plans to retire in 2020 at age 55.

    • Annual contribution to portfolio:$16,500 taxable, $2,500 tax-exempt.

    • Annual Soc. Sec. benefits $16,500 beginning in 2032.

Expected growth rates: Stocks %(8+16), Bonds %(1+2), Inflation %(3+1), 50% of portfolio in stocks.

Results

In 2051 A. Boomer is 92 and B. Boomer is 86.

At this time, they deposit $0 per year into their portfolio.

They withdraw $64,155 per year from this portfolio.

The portfolio balance is $241,000.

This plan has approximately a 0% chance of success and is given a letter grade of F-.

Outlook

Balance Growth Over Time