Retirement Cash and Bond Allocation Illustration
Compare entered spending reserves with your portfolio and show allocations that fit within the available balance.
Quick answer: Compare entered spending reserves with your portfolio and show allocations that fit within the available balance.
Your cash bucket target is $120,000, with 1.25 years covered and a $45,000 refill gap.
The bond target is $300,000, the target funding shortfall is $0, and the funded growth allocation is $780,000.
Review a retirement planMy retirement cash bucket target is $120,000, cash refill gap is $45,000, and growth bucket is $780,000.
Compare the target shortfall with funded allocations. The chosen cash and bond periods are assumptions, not an investment recommendation.
The bond target is $300,000; $300,000 can be funded after the cash allocation.
Long-term growth bucket is $780,000 with a planned withdrawal rate of 3.75%.
Review a retirement plan
- 1
Check the entered amounts
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- 2
Change an assumption
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- 3
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Reviewed Nov 7, 2026 · Methodology
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Why This Matters
Unfunded targets appear as a gap, not money you already have. The chosen cash and bond periods are assumptions, not an investment recommendation. Taxes, return sequences and rebalancing are excluded.
How to Use It
- 1Enter the total portfolio, existing cash and annual spending.
- 2Choose cash and bond reserve periods.
- 3Review funded allocations and any target shortfall.
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