Liska Investments

Retirement illustration

A few figures. One hypothetical path. This does not say whether you should retire.

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Your life

StateMy ageAge to illustrate

Money

Pay, savings, spending

My pay, per year$Saved so far$401(k), IRA, and brokerage, added together. The model taxes the total like a pre-tax 401(k).Added each year$Include an employer match only if you want it in the illustration.Spending to illustrate$Per year, in today's dollars. Include housing if you will still pay it.

How the savings are invested in the model

Assumptions in this illustration: about 60% stocks, a 8.0% average stock return and 4.2% average bond return before a 0.15% fee drag, inflation of 2.5%, Social Security estimated from current pay as a full career, savings taxed like a pre-tax account, and a placeholder health premium if the age is before 65. The path runs through age 90. Markets, taxes, health costs, and benefits will differ. This is not a recommendation.

Updating the illustration

At 67, this path is short. Age 73 funds it.

If retirement starts at 67, the model shows about $348,063 in today's dollars. The spending entered would require about $501,190. On this path the illustrated balance is depleted around age 82.

Illustrated savings: $348k
Illustrated capital: $501k
Model paths that last: …

Savings over time

The line is one hypothetical path. The shade is a rough range from a poor model market to a stronger one. It is not a prediction.