Spreadsheet: 71289d1271960577-stopping-spreadsheet-at-a-certain-number-roadmap-template
Sheet: WS... Lowest Return

 |  |  |  |  |  |  |  |  |  |  |  |  | Cash Flows: Sam & Sally Sample
 |  |  |  |  |  |  |  |  |  |  |  |  | This is a "what if" analysis showing your investment progress throughout the years.
 |  |  | Retirement Age: |  |  | Risk Profile:
 |  |  | 65 |  |  | [NAME] |  | "Growth Phase" ROR: | 0.2318768078793429 |  | Inflation to Use: | 0.0343
 |  |  |  |  |  |  |  | Post-retirement ROR: | 0.06
 |  |  | Begin | College | Other | Desired | After | [NAME] | Income Stream | Client | Investment Value | Investment Value
 | Year | Age | Investmnts | Expenses | Expenses | Income | Tax Gains | Sources | Additions | Additions | Future Dollars | Today's Dollars
 | 2009 | 53 | 1000000 | 0 | 0 | 0 | 219703.2754656774 | 0 | 0 | 62058 | 1281761.275465677 | 1239254.834637607 |  | Assets@94 | 8534102.041871833
 | 2010 | 54 | 1281761.275465677 | 0 | 0 | 0 | 281607.1505848738 | 0 | 0 | 64186.5894 | 1627555.015450551 | 1521397.255094427 |  | Assets@93: | 8534102.040883793
 | 2011 | 55 | 1627555.015450551 | 111154.849 | 0 | 0 | 333158.0834858845 | 0 | 0 | 66388.18941641999 | 1915946.439352856 | 1731584.900442227 |  | Difference: | 0.0009880401194095612
 | 2012 | 56 | 1915946.439352856 | 117190.5573007 | 0 | 0 | 395192.5590500123 | 0 | 0 | 68665.3043134032 | 2262613.745415571 | 1977080.362235212
 | 2013 | 57 | 2262613.745415571 | 0 | 0 | 0 | 497103.6509814653 | 0 | 0 | 71020.52425135294 | 2830737.920648389 | 2391481.575632946
 | 2014 | 58 | 2830737.920648389 | 0 | 0 | 0 | 621922.3931513521 | 0 | 0 | 73456.52823317435 | 3526116.842032916 | 2880166.210011914
 | 2015 | 59 | 3526116.842032916 | 0 | 0 | 0 | 774699.4198693223 | 0 | 0 | 75976.08715157221 | 4376792.34905381 | 3456449.927716426
 | 2016 | 60 | 4376792.34905381 | 0 | 0 | 0 | 961595.6151202386 | 0 | 0 | 78582.06694087115 | 5416970.03111492 | 4136035.287942403
 | 2017 | 61 | 5416970.03111492 | 0 | 0 | 0 | 1190126.058935361 | 0 | 0 | 81277.43183694304 | 6688373.521887223 | 4937439.609537827
 | 2018 | 62 | 6688373.521887223 | 0 | 0 | 0 | 1469457.570296532 | 0 | 0 | 84065.24774895018 | 8241896.339932705 | 5882499.530278704
 | 2019 | 63 | 8241896.339932705 | 0 | 0 | 0 | 1810771.621931794 | 0 | 0 | 86948.68574673917 | 10139616.64761124 | 6996966.010834617
 | 2020 | 64 | 10139616.64761124 | 0 | 0 | 0 | 2227706.9894465 | 0 | 0 | 89931.02566785234 | 12457254.66272559 | 8311205.996071734
 | 2021 | 65 | 12457254.66272559 | 0 | 0 | 359724.1026714094 | 687744.6123390801 | 955517.147720931 | 0 | 0 | 13740792.32011419 | 8863534.812867071
 | 2022 | 66 | 13740792.32011419 | 0 | 0 | 372062.6393930386 | 760012.2823489974 | 0 | 0 | 0 | 14128741.96307015 | 8811546.714665536
 | 2023 | 67 | 14128741.96307015 | 0 | 0 | 384824.3879242199 | 781341.7141470461 | 0 | 0 | 0 | 14525259.28929298 | 8758425.162326476
 | 2024 | 68 | 14525259.28929298 | 0 | 0 | 398023.8644300206 | 803133.3339034589 | 0 | 0 | 0 | 14930368.75876641 | 8704145.444073027
 | 2025 | 69 | 14930368.75876641 | 0 | 0 | 411676.0829799704 | 825387.6786184593 | 0 | 0 | 0 | 15344080.3544049 | 8648682.309357613
 | 2026 | 70 | 15344080.3544049 | 0 | 0 | 425796.5726261834 | 848104.4329941202 | 0 | 0 | 0 | 15766388.21477284 | 8592009.957115533
 | 2027 | 71 | 15766388.21477284 | 0 | 0 | 440401.3950672614 | 871282.350700262 | 0 | 0 | 0 | 16197269.17040584 | 8534102.023762496
 | 2028 | 72 | 16197269.17040584 | 0 | 0 | 455507.1629180685 | 894919.1701256797 | 0 | 116154.3265441075 | 0 | 16752835.50415756 | 8534102.024377253
 | 2029 | 73 | 16752835.50415756 | 0 | 0 | 471131.0586061583 | 925614.8977295969 | 0 | 120138.4199445704 | 0 | 17327457.76322557 | 8534102.025005413
 | 2030 | 74 | 17327457.76322557 | 0 | 0 | 487290.8539163495 | 957363.4887942289 | 0 | 124259.1677486691 | 0 | 17921789.56585211 | 8534102.02564727
 | 2031 | 75 | 17921789.56585211 | 0 | 0 | 504004.9302056803 | 990201.0565364996 | 0 | 128521.2572024485 | 0 | 18536506.94938538 | 8534102.026303122
 | 2032 | 76 | 18536506.94938538 | 0 | 0 | 521292.2993117351 | 1024164.952856687 | 0 | 132929.5363244925 | 0 | 19172309.13925483 | 8534102.02697327
 | 2033 | 77 | 19172309.13925483 | 0 | 0 | 539172.6251781278 | 1059293.81082526 | 0 | 137489.0194204226 | 0 | 19829919.34432238 | 8534102.027658029
 | 2034 | 78 | 19829919.34432238 | 0 | 0 | 557666.2462217376 | 1095627.588627022 | 0 | 142204.8927865431 | 0 | 20510085.57951421 | 8534102.028357722
 | 2035 | 79 | 20510085.57951421 | 0 | 0 | 576794.198467143 | 1133207.615012526 | 0 | 147082.5206091215 | 0 | 21213581.51666872 | 8534102.029072665
 | 2036 | 80 | 21213581.51666872 | 0 | 0 | 596578.2394745661 | 1172076.636308488 | 0 | 152127.4510660144 | 0 | 21941207.36456865 | 8534102.029803194
 | 2037 | 81 | 21941207.36456865 | 0 | 0 | 617040.8730885438 | 1212278.865040644 | 0 | 157345.4226375787 | 0 | 22693790.77915834 | 8534102.030549655
 | 2038 | 82 | 22693790.77915834 | 0 | 0 | 638205.3750354808 | 1253860.030224384 | 0 | 162742.3706340476 | 0 | 23472187.80498129 | 8534102.031312387
 | 2039 | 83 | 23472187.80498129 | 0 | 0 | 660095.8193991978 | 1296867.429380342 | 0 | 168324.4339467955 | 0 | 24277283.84890923 | 8534102.032091752
 | 2040 | 84 | 24277283.84890923 | 0 | 0 | 682737.1060045902 | 1341349.982334129 | 0 | 174097.9620311705 | 0 | 25109994.68726994 | 8534102.032888105
 | 2041 | 85 | 25109994.68726994 | 0 | 0 | 706154.9887405478 | 1387358.286861396 | 0 | 180069.5221288397 | 0 | 25971267.50751963 | 8534102.03370182
 | 2042 | 86 | 25971267.50751963 | 0 | 0 | 730376.1048543487 | 1434944.676241521 | 0 | 186245.9067378589 | 0 | 26862081.98564466 | 8534102.034533279
 | 2043 | 87 | 26862081.98564466 | 0 | 0 | 755428.0052508527 | 1484163.278785388 | 0 | 192634.1413389674 | 0 | 27783451.40051816 | 8534102.035382865
 | 2044 | 88 | 27783451.40051816 | 0 | 0 | 781339.1858309569 | 1535070.079404968 | 0 | 199241.492386894 | 0 | 28736423.78647907 | 8534102.03625097
 | 2045 | 89 | 28736423.78647907 | 0 | 0 | 808139.1199049589 | 1587722.983294738 | 0 | 206075.4755757645 | 0 | 29722083.12544461 | 8534102.037138002
 | 2046 | 90 | 29722083.12544461 | 0 | 0 | 835858.291717699 | 1642181.881797375 | 0 | 213143.8643880133 | 0 | 30741550.5799123 | 8534102.038044376
 | 2047 | 91 | 30741550.5799123 | 0 | 0 | 864528.2311236161 | 1698508.720528636 | 0 | 220454.6989365221 | 0 | 31795985.76825384 | 8534102.038970513
 | 2048 | 92 | 31795985.76825384 | 0 | 0 | 894181.5494511559 | 1756767.569838932 | 0 | 228016.2951100448 | 0 | 32886588.08375166 | 8534102.039916836
 | 2049 | 93 | 32886588.08375166 | 0 | 0 | 924851.9765973308 | 1817024.697691723 | 0 | 235837.2540323193 | 0 | 34014598.05887837 | 8534102.040883793
 | 2050 | 94 | 34014598.05887837 | 0 | 0 | 956574.3993946193 | 1879348.645041651 | 0 | 243926.4718456279 | 0 | 35181298.77637102 | 8534102.041871833
 | 2051 | 95 | 35181298.77637102 | 0 | 0 | 989384.9012938545 | 1943810.303798137 | 0 | 0 | 0 | 36135724.17887531 | 8474931.589434639
 | 2052 | 96 | 36135724.17887531 | 0 | 0 | 1023320.803408234 | 1996140.131895303 | 0 | 0 | 0 | 37108543.50736238 | 8414471.091843756
 | 2053 | 97 | 37108543.50736238 | 0 | 0 | 1058420.706965137 | 2049449.481202583 | 0 | 0 | 0 | 38099572.28159983 | 8352692.42329602
 | 2054 | 98 | 38099572.28159983 | 0 | 0 | 1094724.537214041 | 2103725.594268332 | 0 | 0 | 0 | 39108573.33865412 | 8289566.844784296
 | 2055 | 99 | 39108573.33865412 | 0 | 0 | 1132273.588840482 | 2158952.640776905 | 0 | 0 | 0 | 40135252.39059053 | 8225064.990728304
 | 2056 | 100 | 40135252.39059053 | 0 | 0 | 1171110.57293771 | 2215111.462333563 | 0 | 0 | 0 | 41179253.27998638 | 8159156.855313937
 | 2057 | 101 | 41179253.27998638 | 0 | 0 | 1211279.665589474 | 2272179.299978464 | 0 | 0 | 0 | 42240152.91437537 | 8091811.778534791
 | 2058 | 102 | 42240152.91437537 | 0 | 0 | 1252826.558119193 | 2330129.503353164 | 0 | 0 | 0 | 43317455.85960934 | 8022998.431929318
 | 2059 | 103 | 43317455.85960934 | 0 | 0 | 1295798.509062682 | 2388931.220378578 | 0 | 0 | 0 | 44410588.57092524 | 7952684.804007057
 | 2060 | 104 | 44410588.57092524 | 0 | 0 | 1340244.397923531 | 2448549.066235147 | 0 | 0 | 0 | 45518893.23923685 | 7880838.185357111
 | 2061 | 105 | 45518893.23923685 | 0 | 0 | 1386214.780772309 | 2508942.770363709 | 0 | 0 | 0 | 46641621.22882826 | 7807425.153431945
 | 2062 | 106 | 46641621.22882826 | 0 | 0 | 1433761.947752799 | 2570066.80012914 | 0 | 0 | 0 | 47777926.0812046 | 7732411.55699947
 | 2063 | 107 | 47777926.0812046 | 0 | 0 | 1482939.98256072 | 2631869.959707905 | 0 | 0 | 0 | 48926856.05835178 | 7655762.500256107
 | 2064 | 108 | 48926856.05835178 | 0 | 0 | 1533804.823962552 | 2694294.962675028 | 0 | 0 | 0 | 50087346.19706426 | 7577442.326593507
 | 2065 | 109 | 50087346.19706426 | 0 | 0 | 1586414.329424468 | 2757277.976675322 | 0 | 0 | 0 | 51258209.84431511 | 7497414.602011357
 | 2066 | 110 | 51258209.84431511 | 0 | 0 | 1640828.340923728 | 2820748.1384678 | 0 | 0 | 0 | 52438129.64185919 | 7415642.098168526
 | 2067 | 111 | 52438129.64185919 | 0 | 0 | 1697108.753017411 | 2884627.037530655 | 0 | 0 | 0 | 53625647.92637243 | 7332086.775064687
 | 2068 | 112 | 53625647.92637243 | 0 | 0 | 1755319.583245908 | 2948828.166306742 | 0 | 0 | 0 | 54819156.50943326 | 7246709.7633444
 | 2069 | 113 | 54819156.50943326 | 0 | 0 | 1815527.044951244 | 3013256.335055802 | 0 | 0 | 0 | 56016885.79953782 | 7159471.346215343
 | 2070 | 114 | 56016885.79953782 | 0 | 0 | 1877799.622593071 | 3077807.049159309 | 0 | 0 | 0 | 57216893.22610407 | 7070330.940972335
 | 2071 | 115 | 57216893.22610407 | 0 | 0 | 1942208.149648013 | 3142365.846596526 | 0 | 0 | 0 | 58417050.92305258 | 6979247.080118547
 | 2072 | 116 | 58417050.92305258 | 0 | 0 | 2008825.88918094 | 3206807.593175603 | 0 | 0 | 0 | 59615032.62704724 | 6886177.392075107
 | 2073 | 117 | 59615032.62704724 | 0 | 0 | 2077728.617179847 | 3270995.732960961 | 0 | 0 | 0 | 60808299.74282835 | 6791078.581470151