1. Household finances
2. Social Security and assumptions
The husband's Social Security benefit is a demo estimate, not a verified benefit. Enter his estimate for the selected claiming age.
3. Investment ideas & adjustable allocation
Suggested starting allocation for the money remaining after the house and closing costs. Edit the percentages to explore alternatives. Fund examples are not endorsements or guaranteed investments.
| Category | Example investments / purpose | Allocation % | Dollar amount |
|---|---|---|---|
| Total |
Implementation idea: Keep emergency funds in FDIC-insured savings or short-term U.S. Treasury bills; use diversified, low-cost index funds for stocks; and high-quality Treasuries or bond funds for stability. Rebalance roughly annually or when allocations drift materially. Treasury bills mature, while bond funds fluctuate in value.
Risks: 50% stocks can fall substantially in a bear market. The portfolio's allocation does not automatically determine the annual return input below; set that assumption separately. Confirm inheritance tax basis, capital-gains taxes, healthcare costs, and whether the $35,000 budget includes ongoing property costs before buying. Avoid assuming the wife's pension continues unchanged after her death.
Total investable assets
Annual income gap
Starting withdrawal rate
Monthly spending budget
4. Retirement projection
Spend down the portfolio over 35 years: Based on the current investment return, inflation, income, and Social Security assumptions, the starting annual household spending that targets a $0 portfolio at the end of year 35 is (/month). This includes spending covered by the wife's income.
Ending portfolio balance
Husband's age at end
| Year | His age | Annual spending | Outside income | Portfolio withdrawal | Portfolio balance |
|---|