The Investor's Scenario Surfer

Portfolio Value

Starting-Point Portfolio Value :  (no commas, decimals or dollar signs)

TIPS Return: %  (use dot to present fractions, i.e. 2.5%)

Starting-Point Valuation Level

8-Normal Market14-Normal Market14-Bear Market20-Normal Market20-Bear Market26-Bear Market32-Bear Market

Portfolio Allocation

Current year P/E10: 15.4

Yr.	P/E 10	Curr. balance	Rebal. 20%	Rebal. 50%	Rebal. 80%	Curr. Stocks	Curr. TIPS	W/D	W/D Stocks	W/D TIPS	New Stocks	New TIPS	Div.	Int.	Total Inc.
0	26	100,000 (20% stocks)	100,000	100,000	100,000	20,000	80,000	0	0	0	20,000	80,000	485	2,000	2,485
1	18.1	96,852 (20% stocks)	96,852	88,379	79,906	14,852	82,000	0	0	0	14,852	82,000	517	2,050	2,567
2	12.8	86,319 (50% stocks)	94,092	78,768	64,804	36,683	49,636	0	0	0	36,683	49,636	1,805	1,241	3,046
3	14	97,984 (80% stocks)	99,035	86,159	73,561	80,288	17,696	0	0	0	80,288	17,696	3,613	442	4,055
4	12.1	92,905 (80% stocks)	99,608	84,175	69,748	72,818	20,087	0	0	0	72,818	20,087	3,791	502	4,293
5	12.6	101,723 (80% stocks)	103,839	89,957	76,368	82,677	19,046	0	0	0	82,677	19,046	4,134	476	4,610
Yr.	P/E 10	Curr. balance	Rebal. 20%	Rebal. 50%	Rebal. 80%	Curr. Stocks	Curr. TIPS	W/D	W/D Stocks	W/D TIPS	New Stocks	New TIPS	Div.	Int.	Total Inc.
6	15.1	124,663 (80% stocks)	111,640	103,479	93,590	103,809	20,854	0	0	0	103,809	20,854	4,331	521	4,852
7	15.9	137,908 (80% stocks)	116,699	111,321	103,534	112,353	25,555	0	0	0	112,353	25,555	4,452	639	5,091
8	17	153,815 (80% stocks)	122,252	120,390	115,476	125,544	28,271	0	0	0	125,544	28,271	4,653	707	5,360
9	13.4	135,280 (80% stocks)	120,861	112,452	101,561	103,748	31,532	0	0	0	103,748	31,532	4,878	788	5,666
10	12.4	134,910 (80% stocks)	123,044	113,314	101,283	107,177	27,733	0	0	0	107,177	27,733	5,445	693	6,138
11	8.9	103,549 (100% stocks)	119,784	101,560	82,954	103,549	0	0	0	0	103,549	0	7,330	0	7,330
Yr.	P/E 10	Curr. balance	Rebal. 20%	Rebal. 50%	Rebal. 80%	Curr. Stocks	Curr. TIPS	W/D	W/D Stocks	W/D TIPS	New Stocks	New TIPS	Div.	Int.	Total Inc.
12	9.3	114,901 (100% stocks)	124,806	108,396	90,644	114,901	0	0	0	0	114,901	0	7,784	0	7,784
13	7.3	96,547 (100% stocks)	123,315	101,093	79,514	96,547	0	0	0	0	96,547	0	8,332	0	8,332
14	9.1	128,291 (100% stocks)	133,890	118,976	100,827	128,291	0	0	0	0	128,291	0	8,882	0	8,882
15	9.8	148,117 (100% stocks)	140,706	129,656	113,796	148,117	0	0	0	0	148,117	0	9,522	0	9,522
16	10	161,729 (100% stocks)	146,106	137,235	122,731	161,729	0	0	0	0	161,729	0	10,189	0	10,189
17	11.2	193,055 (100% stocks)	154,688	152,241	142,363	193,055	0	0	0	0	193,055	0	10,859	0	10,859
Yr.	P/E 10	Curr. balance	Rebal. 20%	Rebal. 50%	Rebal. 80%	Curr. Stocks	Curr. TIPS	W/D	W/D Stocks	W/D TIPS	New Stocks	New TIPS	Div.	Int.	Total Inc.
18	15.4	282,262 (100% stocks)	172,077	189,318	195,702	282,262	0	0	0	0	282,262	0	11,547	0	11,547
19	15	295,298 (100% stocks)	177,108	196,056	203,911	295,298	0	0	0	0	295,298	0	12,403	0	12,403
20	13.6	286,033 (100% stocks)	179,539	195,431	199,812	286,033	0	0	0	0	286,033	0	13,250	0	13,250
21	11.8	263,916 (100% stocks)	180,353	190,318	188,451	263,916	0	0	0	0	263,916	0	14,090	0	14,090
22	14.4	345,296 (100% stocks)	195,083	222,040	235,881	345,296	0	0	0	0	345,296	0	15,107	0	15,107
23	13.4	342,487 (100% stocks)	198,667	223,912	235,525	342,487	0	0	0	0	342,487	0	16,102	0	16,102
Yr.	P/E 10	Curr. balance	Rebal. 20%	Rebal. 50%	Rebal. 80%	Curr. Stocks	Curr. TIPS	W/D	W/D Stocks	W/D TIPS	New Stocks	New TIPS	Div.	Int.	Total Inc.
24	14	381,821 (100% stocks)	207,204	239,569	258,342	381,821	0	0	0	0	381,821	0	17,182	0	17,182
25	14.1	409,948 (100% stocks)	214,401	251,388	274,859	409,948	0	0	0	0	409,948	0	18,317	0	18,317
26	10.2	318,687 (100% stocks)	209,143	226,549	227,283	318,687	0	0	0	0	318,687	0	19,684	0	19,684
27	13	432,486 (100% stocks)	228,262	269,830	293,347	432,486	0	0	0	0	432,486	0	20,959	0	20,959
28	13.8	489,830 (100% stocks)	238,880	291,092	325,930	489,830	0	0	0	0	489,830	0	22,362	0	22,362
29	12.9	490,071 (100% stocks)	243,681	294,802	327,688	490,071	0	0	0	0	490,071	0	23,934	0	23,934
Yr.	P/E 10	Curr. balance	Rebal. 20%	Rebal. 50%	Rebal. 80%	Curr. Stocks	Curr. TIPS	W/D	W/D Stocks	W/D TIPS	New Stocks	New TIPS	Div.	Int.	Total Inc.
30	15.4	624,156 (100% stocks)	261,889	338,817	401,052	624,156	0	0	0	0	624,156	0	25,534	0	25,534