What happens over 25 years
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Bull Market Early
Bear Market Early
Show the year-by-year math
| Age | Bull return | Bull balance | Bear return | Bear balance |
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DMI · Retirement Risk Tool
Two retirees. Identical average return. Identical withdrawals. The only difference is the order the good and bad years arrive — and it decides who runs out of money. Watch the two paths diverge.
| Age | Bull return | Bull balance | Bear return | Bear balance |
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For DMI-licensed agents, we will co-brand this calculator with your name and firm — embed it, send it, or screen-share it in client meetings. It's how advisors turn the sequence-of-returns conversation into a closed case.