The next inputs are the current fund allocations 1 . The next input is the Withdrawal Rate . The Calculator multiplies the withdrawal rate by the projected ending balance in order to calculate income at retirement. Any higher rate is more likely to deplete your account before your life expectancy. The next inputs permit changing the fund allocations for the retirement years.
Many participants change their allocations when they retire to more conservative choices.
One final set of inputs permits you to change the projected rates of return on the various fund accounts . These fields already contain percentages based on past returns over several years. However, past performance does not guarantee future results. You may prefer to adjust these projections to gain some perspective on what might happen if returns are lower. This is particularly important if the years to retirement are 10 years or fewer.