The math nobody shows you

Same average return. Different order. Wildly different retirement.

Two retirees average 7% returns over 30 years and withdraw the same amount. One ends with $2M. The other runs out at age 78. The only difference is which years lost money first.

Pure compound-interest math. Educational only, not financial advice.

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Tell us about your retirement

Three identical portfolios go through the same 30 years of returns. The only difference: which year the bad returns hit. Watch what happens.

Today's portfolio
Living expenses, year 1 of retirement
% increase to withdrawal each year
Plan-to age minus current age
The mean: ALL three scenarios share this
How deep the down years are
Hans Goldstein

Hans Goldstein

Founder & Executive Director · Retirement Literacy Foundation, a 501(c)(3) non-profit

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