Bucket strategy calculator

Portfolio ($)

Annual spending ($)

Social Security and pensions a year ($)

Years of spending in cash

Years of spending in bonds

Bucket 1: cash$72,0007% of the portfolio

Bucket 2: bonds$288,00029% of the portfolio

Bucket 3: stocks$640,00064% of the portfolio

Withdrawal rate3.6%10.0 years of spending outside stocks

The portfolio covers $36,000 a year after other income. Holding 2 years in cash and 8 in bonds leaves 64% in stocks: in effect a 64%/36% stock and bond portfolio with a spending reserve.

Run 1,000 market paths

Success rate80%1000 seeded paths

10th percentile ending$0

Median ending$1,137,865

90th percentile ending$4,432,205

Free Bucket strategy calculator by Killion Labs. Tables, worked examples and assumptions are on the full page.