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        Portfolio Reliance Calculator

        The Portfolio Reliance Calculator illustrates how dependent your client's retirement income plan may be on their investment portfolio.


        • This calculator will help you demonstrate how protected lifetime income can impact your client's portfolio reliance and withdrawal rates.
        • Protected income sources such as Social Security, pensions and annuity guarantees are designed to provide more predictable income, regardless of market performance or longevity risk, and reduce reliance on investment portfolios.

        The calculator is for illustrative purposes only and is not intended to provide investment advice or portray actual investment results.


        * Required Field
        Client Name
        ​
        Financial Professional Name
        ​
        Total Retirement Income Investment Portfolio*

        $

        ​
        Total Annual Retirement Income Objective*

        $

        ​

        Estimated Annual Protected Income


        Social Security Retirement Benefit

        Have you started receiving
        Retirement Benefits?

        Social Security
        Month of Birth
        Year of Birth

        $

        ​
        ​
        ​
        Pension Benefit

        $

        ​
        Existing Annuity Income

        $

        ​
        Other Sources

        $

        ​


        Portfolio Reliance Calculator  video  tutorial (0:50)

        American Funds Insurance Series®

        Historical Illustrator

        Create hypotheticals using American Funds Insurance Series historical data.

        Create Illustration

        Hypothetical results are for illustrative purposes only and in no way represent the actual results of a specific investment or total portfolio.

        Variable annuities are long-term investment products designed for retirement purposes and are subject to market fluctuation, investment risk, and possible loss of principal. Variable annuities contain both investment and insurance components and have fees and charges, including mortality and expense, administrative, and advisory fees. Optional features are available for an additional charge. The annuity's value fluctuates with the market value of the underlying investment options, and all assets accumulate tax deferred. Withdrawals of earnings are taxable as ordinary income and, if taken prior to age 59½, may be subject to an additional 10% federal tax. Withdrawals will reduce the death benefit and cash surrender value.