Calculator
Sequence of Returns Stress Tester
Test how different portfolio allocations handle historic bear markets during active retirement withdrawals.
Starting Portfolio
$1,000,000
Initial Annual Withdrawal
$40,000 (4.0%)
S&P 500 Index
50%
Dividend Growth ETF
30%
Bonds / Cash Buffer
20%
Lowest Point
$0
10-Year Final Balance
$0
Portfolio Status
Survives
Custom Portfolio Trajectory
S&P 500
Dividend Growth
Bonds/Cash