Model total retirement income by combining portfolio withdrawals, Social Security, pensions, and other streams. Evaluate sustainability and purchasing power erosion over time.
Model assumes: 5% nominal portfolio return, Social Security includes COLA adjustments.
Enter your income sources to model total monthly cash flow
Income stability in retirement is more valuable than net worth. Diversifying income streams (Social Security, Pensions, Annuities, Portfolio withdrawals) creates a more robust financial engine that can withstand market volatility.
The traditional 4% withdrawal rate assumes 30-year retirement horizon and 60/40 portfolio. Current low-yield environment and extended longevity suggest 3-3.5% may be more prudent for conservative planners.
Early retirement bear markets can permanently damage portfolio longevity. Consider dynamic withdrawal strategies that reduce spending during market downturns to preserve capital.