Retirement Withdrawal Calculator


This week’s AAII Weekly Digest highlights these “must-read” AAII articles:


Five Strategies for Withdrawing From Retirement SavingsFive Strategies for Withdrawing From Retirement Savings

The 4% rule has long been the standard model for drawing down savings in retirement. It is not the only approach to retirement income, however. BlackRock offers five alternatives for making withdrawals. In doing so, the firm noted the ability to mix and match. A blended approach may help to match the withdrawal strategy with each income need.

The Impact of Expense Ratios on Retirement Income

Craig Israelsen

This article examines the impact of mutual fund expense ratios on the amount of retirement income that is available to a retiree. Simply lowering investment expenses on a $1 million portfolio by 0.01% boosts annual portfolio income by more than $200 per year.

Retirement Withdrawal CalculatorRetirement Withdrawal Calculator

Instead of focusing on a specific withdrawal rate to use throughout retirement, you can calculate how much you can afford to withdraw annually in retirement based on the amount of money you want to have left over for your estate, how many years you estimate you will be in retirement and estimated inflation and rate of return. Computerized Investing’s Retirement Withdrawal Calculator does just this.

8 Ways Women Can Take Charge of Their Retirement

Data shows that women are more apt to underinvest in or fail to adequately plan for their retirement. If you are a woman at our near retirement age, or know someone who is, this 8-step checklist is designed to help you get on track.

Our Member Question for this week is:

How optimistic are you about your investments over the coming 12 months?


Vote to answer this week’s Special Question: What factors are driving your level of optimism about your investment?

Last Week’s Results:

How much could the typical healthy married couple, retiring this year at age 65, covered by Medicare, expect to spend on out-of-pocket costs for health care throughout retirement (in today’s dollars)?

Poll results are as of 9 a.m. (Central) on Monday. 2,064 respondents.

Survey: How Much Can You Expect to Pay for Health Care in Retirement?

For most retirees, the biggest expense they face is health care costs. Surveys show that this is the cost most retirees fear the most, yet most retirees also don’t know how much health care is going to cost them in retirement. Our latest reader survey question asked how much out-of-pocket health care will cost a newly retired married couple. Our special open-ended question then asked what our readers are doing to defray the costs of health care in their retirement. This blog post summarizes the results.

AAII e-book: Profitable Retirement Planning

This e-book, which is available exclusively to AAII members, was written to help our members achieve a financially secure retirement. The book offers an overview of many of the primary considerations for retirement planning, including how much you need to save, where your retirement income will come from, what asset classes you should invest in and how you should take advantage of your company’s defined contribution plan (if available).

The AAII Weekly Digest is one of the many benefits of AAII membership. To learn more, consider a 30-day Trial AAII Membership to start becoming an effective manager of your own assets.


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