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

$



0:00 / 1:01
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.



Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.

Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.

All Capital Group trademarks mentioned are owned by The Capital Group Companies, Inc., an affiliated company or fund. All other company and product names mentioned are the property of their respective companies.

Use of this website is intended for U.S. residents only. Use of this website and materials is also subject to approval by your home office.

Capital Client Group, Inc.

This content, developed by Capital Group, home of American Funds, should not be used as a primary basis for investment decisions and is not intended to serve as impartial investment or fiduciary advice.