the rules that move the number

On this plan, more stocks after retirement was safer, not riskier.

A quarter in stocks ran out in three start years. Half, three quarters and all stocks ran out in none, and the worst ending rose every step. The planner lets you slide it and see.

You asked for the link. The planner every chart came from is one tap away; the slides are below if you want them again.

Open the planner Type in one paycheck. About three minutes, in the browser.

Slide 1 of 6: On this plan, more stocks after retirement was safer, not riskier.

Slide 2 of 6: Three quarters in stocks: every start year since 1871 finished with money.

Slide 3 of 6: A quarter in stocks: three start years ran out.

Slide 4 of 6: The worst start year got better every step up.

Slide 5 of 6: Over thirty years, inflation is the risk bonds cannot outrun.

Slide 6 of 6: Save this for the day you set the retirement mix.

Where to go next

Retire Plan

Type in one paycheck and it runs your plan through every year of market history since 1871, with the taxes worked out. About three minutes, in the browser.

Open it

Sources: Shiller monthly series 1871-2026, 121 start years. Plan: age 65, $1.2M saved, retiring at 70.; Same data and plan. Only the retirement stock share changed.; Engine output. Middle endings: $1.18M, $2.09M, $3.66M, $5.44M. Monte Carlo survival: 92.3%, 95.6%, 96.3%, 95.6%..

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