Investment Sample Combining Before and After Retirement

This option is best if you are limited on your investments and want to determine what your allowable living standard will be into retirement. This is the more realistic scheme with most people, where you can assume what your investments are or will be in a few years, and you want to determine how much you can withdraw each year in retirement. In this example the person has 10 years before retirement for investing, then assumes that they will live for 20 years after retirement. The investment ROI before retirement is assumed to be 8% and more conservatively 6% after. Inflation is assumed to be constant for this example. The resulting cash flow screens are seen below.

The cash flow for the yearly investments, seen after keying the “c” prompt.

The cash flow for yearly withdrawal, seen after keying the “c” prompt.