Interactive Tool

What If You Retired Into the Worst 3 Years the Market Has Had?

Enter a few numbers below. We'll run your portfolio through the actual S&P 500 returns from 2000 through 2024, starting the clock the year your income starts, right into the dot-com decline.

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Enter your information below for free access to the Sequence of Returns Stress Test. No obligation. We may follow up to see if you have any questions.

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Your Numbers

Your Name

Age Income Starts

Portfolio Balance at Retirement

Annual Withdrawal Amount

Please fill in every field with a valid number before running the test.

Your 25-Year Stress Test

Market growth, no withdrawals

Same market, with your withdrawals

Without Withdrawals

Same portfolio, same market, nothing withdrawn

With Your Withdrawals

Balance after 25 years of income

What this doesn't show: these numbers are flat, they don't increase for inflation, and they don't account for portfolio management fees, both of which would further reduce the withdrawal line above. That's a conversation worth having on a call, along with how a guaranteed income stream changes this picture entirely.

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Year-by-year detail: the actual S&P 500 total return for that calendar year, and the resulting balance for each line above. The withdrawal is subtracted first, then that year's return is applied to what remains.

Age	Calendar Year	S&P 500 Return	No Withdrawals	With Withdrawals

What Would Your Numbers Look Like With a Pension Strategy?

If your portfolio is funding your income in retirement, sequence of returns risk is real. A Pension Strategy removes it from the equation entirely.

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This tool uses actual S&P 500 total returns including dividends reinvested from 2000 through 2024, and is for educational purposes only. It does not represent any specific product, account, or guaranteed outcome. Past performance is not indicative of future results. The S&P 500 is an unmanaged index and cannot be invested in directly.