Retirement Planning Prototype

SGP

2500
2000

Parameters

Last salary
Initial post-retirement income
Year assets = 0

167
116
10%
5%
2%
9%
5%
65
50%
30%
30

1500
1000
Assets

Initial assets
Salary
Savings rate
Salary growth
Inflation
Investment return pre-retire
Investment return post-retire
Retire date
Post-retirement withdrawal rate
Post-retirement tax rate
SS Income at retirement

500
0
-500
-1000
-1500

266
133
85

Model
Age Salary
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76

116
122
128
134
141
148
155
163
171
180
189
198
208
219
230
241
253
266
0
0
0
0
0
0
0
0
0
0
0
0

Retirement
Post-retirement
Contributions Needs
23
0
24
0
26
0
27
0
28
0
30
0
31
0
33
0
34
0
36
0
38
0
40
0
42
0
44
0
46
0
48
0
51
0
53
0
0
133
0
136
0
138
0
141
0
144
0
147
0
150
0
153
0
156
0
159
0
162
0
165

77
78
79
80
81
82
83
84
85
86
87
88
89
90

0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0

169
172
175
179
182
186
190
194
198
201
206
210
214
218

Age

SS
Income

Post-retirement
Taxes
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
30
31
31
32
32
33
34
34
35
36
37
37

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
31
31
32
33
33
34
35
35
36
37
38
38

Retirement
Assets
167
205
248
296
349
409
476
549
632
723
824
936
1059
1196
1348
1515
1700
1903
1999
1965
1926
1883
1836
1783
1724
1659
1589
1511
1427
1335

Year Assets = 0
85
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

38
39
40
40
41
42
43
44
45
45
46
47
48
49

39
40
41
42
42
43
44
45
46
47
48
49
50
51

1236
1128
1011
885
749
603
446
277
96
-98
-306
-528
-766
-1019

0
0
0
0
0
0
0
0
0
1
1
1
1
1

Year Assets = 0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76

0
0
0
0
0
0
0
0
0
1
0
0
0
0

77
78
79
80
81
82
83
84
85
86
87
88
89
90

Tornado Sensitivity Chart

Output Measure
74.00

76.00

78.00

80.00

82.00

84.00

Retire date
Post-retirement withdrawal rate

Parameter

Investment return pre-retire

Salary growth
Salary
Investment return post-retire
Initial assets
Savings rate
Post-retirement tax rate
SS Income at retirement
Inflation

-10 Pct

+10 Pct

Chart
Measure
84.00

+10 Pct

86.00

88.00

90.00

DATA TABLE
Parameter
Retire date
Post-retirement withdrawal rate
Investment return pre-retire
Salary growth
Salary
Investment return post-retire
Initial assets
Savings rate
Post-retirement tax rate
SS Income at retirement
Inflation

-10 Pct +10 Pct Range

74.00
90.00 16.00
89.00
82.00
7.00
82.00
88.00
6.00
88.00
83.00
5.00
87.00
83.00
4.00
84.00
87.00
3.00
84.00
86.00
2.00
84.00
86.00
2.00
86.00
84.00
2.00
84.00
86.00
2.00
85.00
85.00
0.00

Base Case Result

85.00
85.00
85.00
85.00
85.00
85.00
85.00
85.00
85.00
85.00
85.00

PARAMETER INFO
Base Case
% Sensitivity
-%
+%
65.00
10.00 58.50 71.50
0.50
10.00
0.45
0.55
0.09
10.00
0.08
0.10
0.05
10.00
0.05
0.06
116.00
10.00 104.40 127.60
0.05
10.00
0.05
0.06
167.00
10.00 150.30 183.70
0.10
10.00
0.09
0.11
0.30
10.00
0.27
0.33
30.00
10.00 27.00 33.00
0.02
10.00
0.02
0.02

$H$67

Retire date Assets at 90

60
-3162
61
-2817
62
-2432
63
-2004
64
-1534
65
-1019
66
-471
67
111
68
727
69
1379
70
2066
71
2788
72
3548
73
4345
74
5180
75
6053

6838
5838
4838
3838
2838
1838
838
-162
-1162
-2162
-3162
60

65

70
Retire date

75

91
89
Year assets = 0

Retire date Year assets = 0

60
75
61
76
62
78
63
80
64
83
65
85
66
87
67
90
68
90
69
90
70
90
71
90
72
90
73
90
74
90
75
90

87
85
83
81
79
77
75
60

65

70
Retire date

75