# TIPS Table

Here are TIPS Safe Withdrawal Rates and percentage balances for interest rates of 1%, 1.5%, 2%, 2.5%, 3%, 3.5% and 4%.

# TIPS interest rate = 1%

Zero Balance Rate at Year 10 = 10.56%.

Zero Balance Rate at Year 20 = 5.54%.

Zero Balance Rate at Year 30 = 3.87%.

Zero Balance Rate at Year 40 = 3.05%.

**Withdrawal Rate = 3%**

Balance at Year 10 = 79%.

Balance at Year 20 = 56%.

Balance at Year 30 = 30%.

Balance at Year 40 = 2%.

Zero Balance in Year = 41.

**Withdrawal Rate = 4%**

Balance at Year 10 = 69%.

Balance at Year 20 = 34%.

Zero Balance in Year = 29.

**Withdrawal Rate = 5%**

Balance at Year 10 = 58%.

Balance at Year 20 = 12%.

Zero Balance in Year = 22.

**Withdrawal Rate = 6%**

Balance at Year 10 = 48%.

Zero Balance in Year = 18.

# TIPS interest rate = 1.5%

Zero Balance Rate at Year 10 = 10.84%.

Zero Balance Rate at Year 20 = 5.82%.

Zero Balance Rate at Year 30 = 4.16%.

Zero Balance Rate at Year 40 = 3.34%.

**Withdrawal Rate = 3%**

Balance at Year 10 = 84%.

Balance at Year 20 = 65%.

Balance at Year 30 = 44%.

Balance at Year 40 = 18%.

Zero Balance in Year = 47.

**Withdrawal Rate = 4%**

Balance at Year 10 = 73%.

Balance at Year 20 = 42%.

Balance at Year 30 = 6%.

Zero Balance in Year = 32.

**Withdrawal Rate = 5%**

Balance at Year 10 = 63%.

Balance at Year 20 = 19%.

Zero Balance in Year = 24.

**Withdrawal Rate = 6%**

Balance at Year 10 = 52%.

Zero Balance in Year = 19.

# TIPS interest rate = 2%

Zero Balance Rate at Year 10 = 11.13%.

Zero Balance Rate at Year 20 = 6.12%.

Zero Balance Rate at Year 30 = 4.46%.

Zero Balance Rate at Year 40 = 3.66%.

**Withdrawal Rate = 3%**

Balance at Year 10 = 89%.

Balance at Year 20 = 76%.

Balance at Year 30 = 59%.

Balance at Year 40 = 40%.

Zero Balance in Year = 55.

**Withdrawal Rate = 4%**

Balance at Year 10 = 78%.

Balance at Year 20 = 51%.

Balance at Year 30 = 19%.

Zero Balance in Year = 35.

**Withdrawal Rate = 5%**

Balance at Year 10 = 67%.

Balance at Year 20 = 27%.

Zero Balance in Year = 26.

**Withdrawal Rate = 6%**

Balance at Year 10 = 56%.

Balance at Year 20 = 3%.

Zero Balance in Year = 20.5.

# TIPS interest rate = 2.5%

Zero Balance Rate at Year 10 = 11.43%.

Zero Balance Rate at Year 20 = 6.41%.

Zero Balance Rate at Year 30 = 4.78%.

Zero Balance Rate at Year 40 = 3.98%.

**Withdrawal Rate = 3%**

Balance at Year 10 = 94%.

Balance at Year 20 = 87%.

Balance at Year 30 = 78%.

Balance at Year 40 = 66%.

Zero Balance in Year = 72.

**Withdrawal Rate = 4%**

Balance at Year 10 = 83%.

Balance at Year 20 = 62%.

Balance at Year 30 = 34%.

Zero Balance in Year = 40.

**Withdrawal Rate = 5%**

Balance at Year 10 = 72%.

Balance at Year 20 = 36%.

Zero Balance in Year = 28.

**Withdrawal Rate = 6%**

Balance at Year 10 = 61%.

Balance at Year 20 = 10%.

Zero Balance in Year = 22.

# TIPS interest rate = 3%

Zero Balance Rate at Year 10 = 11.72%.

Zero Balance Rate at Year 20 = 6.72%.

Zero Balance Rate at Year 30 = 5.10%.

Zero Balance Rate at Year 40 = 4.32%.

**Withdrawal Rate = 3%**

Balance at Year 10 = 100%.

Balance at Year 20 = 100%.

Balance at Year 30 = 100%.

Balance at Year 40 = 100%.

Zero Balance in Year = never.

**Withdrawal Rate = 4%**

Balance at Year 10 = 89%.

Balance at Year 20 = 73%.

Balance at Year 30 = 52%.

Balance at Year 40 = 24%.

Zero Balance in Year = 47.

**Withdrawal Rate = 5%**

Balance at Year 10 = 77%.

Balance at Year 20 = 46%.

Balance at Year 30 = 5%.

Zero Balance in Year = 31.

**Withdrawal Rate = 6%**

Balance at Year 10 = 66%.

Balance at Year 20 = 19%.

Zero Balance in Year = 23.

# TIPS interest rate = 3.5%

Zero Balance Rate at Year 10 = 12.02%.

Zero Balance Rate at Year 20 = 7.04%.

Zero Balance Rate at Year 30 = 5.44%.

Zero Balance Rate at Year 40 = 4.68%.

**Withdrawal Rate = 3%**

Balance at Year 10 = 106%.

Balance at Year 20 = 114%.

Balance at Year 30 = 126%.

Balance at Year 40 = 142%.

Zero Balance in Year = never.

**Withdrawal Rate = 4%**

Balance at Year 10 = 94%.

Balance at Year 20 = 86%.

Balance at Year 30 = 74%.

Balance at Year 40 = 58%.

Zero Balance in Year = 60.

**Withdrawal Rate = 5%**

Balance at Year 10 = 82%.

Balance at Year 20 = 58%.

Balance at Year 30 = 23%.

Zero Balance in Year = 35.

**Withdrawal Rate = 6%**

Balance at Year 10 = 71%.

Balance at Year 20 = 29%.

Zero Balance in Year = 25.

# TIPS interest rate = 4%

Zero Balance Rate at Year 10 = 12.33%.

Zero Balance Rate at Year 20 = 7.36%.

Zero Balance Rate at Year 30 = 5.78%.

Zero Balance Rate at Year 40 = 5.05%.

**Withdrawal Rate = 3%**

Balance at Year 10 = 112%.

Balance at Year 20 = 130%.

Balance at Year 30 = 156%.

Balance at Year 40 = 195%.

Zero Balance in Year = never.

**Withdrawal Rate = 4%**

Balance at Year 10 = 100%.

Balance at Year 20 = 100%.

Balance at Year 30 = 100%.

Balance at Year 40 = 100%.

Zero Balance in Year = never.

**Withdrawal Rate = 5%**

Balance at Year 10 = 88%.

Balance at Year 20 = 70%.

Balance at Year 30 = 44%.

Balance at Year 40 = 5%.

Zero Balance in Year = 41.

**Withdrawal Rate = 6%**

Balance at Year 10 = 76%.

Balance at Year 20 = 40%.

Zero Balance in Year = 28.

Have fun.

John Walter Russell

*March 14, 2007*

*Expanded: March 15, 2007*

*Expanded: January 24, 2008*