GLI vs. Bond Portfolio Comparison Tool
Will Your Money Last? — A Retirement Income Stress Test
Final Value — Without GLI
TO AGE —
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Final Value — With GLI
TO AGE —
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Portfolio Gap — With GLI vs Without GLI
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Portfolio Value Over Time
End-of-year total portfolio value — both scenarios side by side
Without GLI
With GLI
Year-by-Year Detail
Full breakdown of both portfolio scenarios
| Yr | Age | Yr | WITHOUT GUARANTEED INCOME | WITH GUARANTEED INCOME | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| BOY Value | S&P Ret. | Eq. Returns | Bond Returns | Withdrawal | EOY Value | IRR | BOY Total | Eq. Returns | GLI Payout | Withdrawal | EOY Equity | EOY Total | IRR | |||
| Enter inputs and run the model to see results. | ||||||||||||||||
Disclaimer: This model uses actual historical S&P 500 and bond market return data (1928–2025) to compare a traditional stock/bond portfolio against one that incorporates guaranteed lifetime income. For years beyond 2025 where historical data is unavailable, the model assumes average annual returns of 10% for equities and 4.5% for bonds — these represent long-run historical averages and are used solely to project the portfolio to the selected assumed life expectancy. Guaranteed income rates are based on prevailing bond yields at the time of purchase, adjusted for age and deferral period. Retirement income is assumed to grow annually at the selected inflation rate. This illustration is for educational purposes only and does not constitute investment, tax, or financial planning advice. Assumed future returns are not guaranteed and actual results will differ.
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