Each scenario’s allocations must total exactly 100%. Returns are illustrative, not forecasts or
guarantees.
Compare growth over time
Colored lines show total portfolio value for each scenario. The dashed gray line shows only
initial savings and deposits, excluding growth. The horizontal axis shows your age. The shaded area shows the 20
years after retirement: no new contributions. At each month-end, your monthly spending is taken from the
portfolio, from each asset in proportion to its value. Each asset keeps its annual return.
Year-by-year details
All amounts are in $. Rows below the dark line are after retirement: no new
contributions. Withdrawn and Growth are totals since the start.