PROOF that...
Starting At Age 50,
With ZERO Invested up to Now,
Investing $100 per Week Until Age 65,
Then Starting At Age 65,
Withdrawing at least $100 per Week From DIA
(or 5% per year, whichever is greater),
You WOULD STILL HAVE HAD $1000s Left at Age 90!
In all 50 year periods except those including the Great Depression.
ACCUMULATION PHASE
AgeThe age at which you will start your monthly investment program.
Initial InvestmentAmount you already have invested (or able to invest) in DIA.$ 
Weekly InvestmentAmount invested in DIA each week. $ 

WITHDRAWAL PHASE (Withdrawal assumed to occur at the beginning of the year)

Age @ Retirement Age at which annual withdrawals will begin.years old.
Percentage Withdrawal Each YearThe percent of DIA to be sold in order to provide payout to you % 
















After entering values for each of the values in the yellow column and clicking on "Show Me The Money", you will see a page which will show you how big your portfolio WOULD HAVE BEEN had you started your investment program in each of 85 different years, starting with 1900.
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If you already have some investments, enter the value of the portfolio as of this date. If possible, get all your investments into DIA. This will simplify your life and ensure that your portfolio continues to perform as the Dow Jones Average performs.
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After entering values for each of the values in the yellow column and clicking on "Show Me The Money", you will see a page which will show you how big your portfolio WOULD HAVE BEEN had you started your investment program in each of 85 different years, starting with 1900.
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How To Calculate The "Amount You Need"
Minimum amount per year you need to maintain your retirement lifestyle.
This value will be the result of significant work and analysis on your part.
  $60,000
Minus Amount Provided by Social Security - $18,000
Minus Amount Provided by Other Pensions - $20,000
EQUALS The amount you need from this portfolio in order to maintain your retirement lifestyle.  $22,000
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Conventional wisdom advice is to "withdraw 4-5% of your portfolio per year and you probably will not run out of money".
If your portfolio returns more than "the minimum amount per year you need to maintian your retirement lifestyle", then this percentage put an upper limit on the amount that you should withdraw in this year.
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IF your portfolio is significant, (and it most likely will be), a percentage withdrawal may produce much more than you need this year. This value, in effect, says enough is enough. This is the maximum that you will withdraw - period.
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After entering values for each of the values in the yellow column and clicking on "Show Me The Money", you will see a page which will show you how big your portfolio WOULD HAVE BEEN had you started your investment program in each of 85 different years, starting with 1900.
Return to top
















After entering values for each of the values in the yellow column and clicking on "Show Me The Money", you will see a page which will show you how big your portfolio WOULD HAVE BEEN had you started your investment program in each of 85 different years, starting with 1900.
Return to top
















After entering values for each of the values in the yellow column and clicking on "Show Me The Money", you will see a page which will show you how big your portfolio WOULD HAVE BEEN had you started your investment program in each of 85 different years, starting with 1900.
Return to top
















After entering values for each of the values in the yellow column and clicking on "Show Me The Money", you will see a page which will show you how big your portfolio WOULD HAVE BEEN had you started your investment program in each of 85 different years, starting with 1900.
Return to top