Retirement Income Bucket Strategy Calculator

AIM

Retirement Income Bucket Strategy Calculator

Name: Spouse's Name (Optional): Main Person's Age: Spouse's Age (Optional): Total Savings and Investments ($): Required Income After Social Security, Pension, etc. ($/year):

Bucket 1: Income Now

Select Type: Bucket 1 Growth Interest Rate (%): Number of Years Bucket 1 Will Be in Deferral: Number of Years Bucket 1 Will Pay (1-7 years):

SPIA typically pays around 2-4%, High-Interest Savings or Money Market around 1-2%, FIA average top returns have been around 5-7% over the last 25 years, and MYGA average rates for the last 10 years: 2yr (2.5%), 3yr (2.7%), 4yr (2.9%), 5yr (3.1%), 6yr (3.3%), 7yr (3.5%), 8yr (3.7%), 9yr (3.9%), 10yr (4.1%).

Bucket 2: Growth Followed by Income

Select Type: Bucket 2 Growth Interest Rate (%): Number of Years Bucket 2 Will Be in Deferral: Number of Years Bucket 2 Will Pay After Deferral:

FIA average top returns have been around 5-7% over the last 25 years. MYGA historical average rates for the last 10 years: 5yr (3.1%), 6yr (3.3%), 7yr (3.5%), 8yr (3.7%), 9yr (3.9%), 10yr (4.1%).

Bucket 3: Growth

Select Type: Bucket 3 Interest Rate (%):

The S&P 500 has averaged around 8-10% over the last 30 years, FIAs around 5-7%, IULs around 6-8%, and MYGA average rates for the last 10 years: 10yr (4.1%).

Bucket 4: Growth and Legacy

Select Type: Bucket 4 Interest Rate (%):

The S&P 500 has averaged around 8-10% over the last 30 years, FIAs around 5-7%, and IULs around 6-8%.

Financial Disclaimer

The calculators and tools provided on this website are for general informational and educational purposes only. They are not intended to replace the personalized advice or services of a licensed financial professional. While every effort is made to ensure the accuracy of the results, these calculators are based on hypothetical inputs and assumptions which may not reflect your specific financial situation.

By using these calculators, you acknowledge and agree that no warranties or guarantees are expressed or implied regarding the outcomes generated. Actual financial decisions should always be made in consultation with qualified professionals, taking into account your unique circumstances, goals, and needs. We assume no responsibility for any financial outcomes resulting from the use of these tools.