Income Strategy Comparison

Two ways to draw income.
See the difference for your number.

Same starting amount, same annual income — one portfolio managed with our time-segmented 5-bucket approach, the other as a single “moderate” blend. Returns follow the illustrative 2018–2023 example from the FourC Income Planning Guide.

Your Numbers

Starting investment $1,000,000

Annual income $48,000

4.8% of starting balance, drawn each year

Your 5 buckets at the start

Immediate Income · Yrs 1–5 $300,000

Near-Term Reserve · Yrs 6–10 $225,000

Intermediate Growth · Yrs 11–15 $200,000

Long-Term Growth · Yrs 16–20 $175,000

Legacy & Late Growth · Yrs 25+ $100,000

After 6 years of income

Time-Segmented (Buckets)

$999,060

ending value

Avg. annual return5.74%

Total income taken$288,000

Cumulative return$287,060

Single Moderate Portfolio

$958,503

ending value

Avg. annual return4.86%

Total income taken$288,000

Cumulative return$246,503

+$41k

In this illustration the time-segmented approach ended about $40,557 ahead — largely by drawing income from the conservative buckets during the down years (2018 and 2022) instead of selling growth assets.

Portfolio value, year by year Buckets Moderate

Hypothetical illustration for discussion only. Figures follow the illustrative 2018–2023 example in the FourC Income Planning Guide, scaled to the amounts you enter; segment returns are assumed and do not represent any actual account, security, fee, tax, or recommendation. This reflects one specific historical window and one set of assumptions — different periods or assumptions would produce different results, and a bucket strategy does not change a portfolio’s expected return. Its potential benefit comes from drawing income from conservative buckets during down years instead of selling growth assets. Past performance does not guarantee future results, and no outcome is promised or implied. This is not investment, tax, or legal advice. Investment advice offered through Integrated Partners, dba FourC Financial, a registered investment advisor. Investing involves risk, including loss of principal.