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An income distribution, run through a random sequence of returns.

Each year draws an earning rate between the minimum and maximum you set. A drawn rate below the floor credits the floor, and a drawn rate above the cap stops at the cap. Next year's distribution grows by the inflation rate, and it never falls below the floor you set.

Horizon

Whole years from 1 to 100.

Account and distribution

Annual income distribution

Year 1 distributes $40,000.00 before later years apply inflation.

The annual income distribution never falls below this.

Earning rates

Each year draws uniformly between these rates. The floor and cap are applied after the draw.

The same seed draws the same earning rates and the same fee path. Re-roll picks a new seed.

Inflation

default: 2001–2023 historical average

Policy fee

Include fees

Off. The illustration charges no policy fee.

Crediting limits

A 0% floor and a 10% cap are filled in. They apply to every drawn rate.

Final balance

$201,576.81

Total distributed

$1,227,712.01

Final-year distribution

$69,307.63

Year-by-year sequence illustration
Sequence yearDrawn rateAdjusted rateInflationBeginning valueAnnual income distributionEnd value
1-6.38%0.00%2.53%$1,000,000.00$40,000.00$960,000.00
24.66%4.66%2.53%$960,000.00$41,012.00$961,815.16
34.45%4.45%2.53%$961,815.16$42,049.60$960,682.03
48.39%8.39%2.53%$960,682.03$43,113.46$994,518.55
5-7.73%0.00%2.53%$994,518.55$44,204.23$950,314.32
6-0.19%0.00%2.53%$950,314.32$45,322.60$904,991.73
7-4.62%0.00%2.53%$904,991.73$46,469.26$858,522.47
82.48%2.48%2.53%$858,522.47$47,644.93$830,984.70
9-8.50%0.00%2.53%$830,984.70$48,850.35$782,134.35
10-4.06%0.00%2.53%$782,134.35$50,086.26$732,048.09
11-8.00%0.00%2.53%$732,048.09$51,353.44$680,694.65
121.52%1.52%2.53%$680,694.65$52,652.68$637,583.73
1312.30%10.00%2.53%$637,583.73$53,984.80$641,958.83
1413.62%10.00%2.53%$641,958.83$55,350.61$645,269.04
15-0.23%0.00%2.53%$645,269.04$56,750.98$588,518.05
163.28%3.28%2.53%$588,518.05$58,186.78$547,710.80
177.86%7.86%2.53%$547,710.80$59,658.91$526,433.45
180.02%0.02%2.53%$526,433.45$61,168.28$465,352.50
190.41%0.41%2.53%$465,352.50$62,715.84$404,273.75
209.37%9.37%2.53%$404,273.75$64,302.55$371,812.36
212.41%2.41%2.53%$371,812.36$65,929.40$313,257.20
2216.10%10.00%2.53%$313,257.20$67,597.42$270,225.76
230.33%0.33%2.53%$270,225.76$69,307.63$201,576.81