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Tools · Retirement planning

Retirement Continuity

Stress-test the plan. Protect the path. Sustain the income.

Sequence of ReturnsProtection RotationIncome Insulation
What Retirement Continuity revealsTest historical returns, introduce withdrawals, and see how sequence, protection, and income design can affect a retirement plan’s staying power.
Sequence ending value$0

Shuffle the same historical returns to see how the ending value changes once annual withdrawals are taken.

Years 1–10 2002–2011
Market-only comparison
YrS&PTotal returnMarketOnly
12002-22.0%$0
2200328.4%$0
3200410.7%$0
420054.8%$0
5200615.6%$0
620075.5%$0
72008-36.6%$0
8200925.9%$0
9201014.8%$0
1020112.1%$0

S&P 500 annual total returns include dividends. This is a hypothetical planning tool, not a product illustration.

Important disclosure

Hypothetical planning tool—not a product illustration or recommendation.

IMPORTANT: The projections and other information generated by Retirement Continuity are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.

This educational planning tool uses selected historical S&P 500 total-return periods and advisor-entered assumptions to illustrate how return sequence, fees, withdrawals, and selected protection or income inputs may affect hypothetical values. It is not an offer, solicitation, recommendation, or illustration of a specific security, investment strategy, insurance policy, or annuity contract, and it does not determine suitability.

Historical returns do not predict future results. Actual outcomes may differ materially because of market conditions, fees and expenses, taxes, withdrawals, contract charges, surrender charges, caps, participation rates, spreads, index options, crediting methods, carrier terms, product availability, and individual circumstances. Any protection or income crediting assumption is illustrative only and may not reflect current product terms. Review current carrier materials and personalized illustrations, and consult appropriate legal, tax, financial, and compliance professionals before making a decision.