Starting amount | STARTING_AMOUNT |

Years you wish to make withdrawals | YEARS years |

Periodic withdrawal from savings* | ADDITIONAL_WITHDRAWALS WITHDRAW_FREQUENCY |

Rate of return | RATE_OF_RETURN COMPOUND_INTEREST |

Total amount you will have withdrawn | TOTAL_AMOUNT_YOU_HAVE_WITHDRAWN |

Ending balance after DEPLETE_LABEL | TOTAL_AT_END_OF_INVESTMENT |

- Starting amount
- The starting balance or current amount you have invested or saved.
- Years of withdrawals
- The total number of years you are planning to continue your withdrawals.
- Periodic withdrawal
- The amount that you plan on distributing (or withdrawing) from your savings or investment each period. The investment period options include monthly, quarterly and annually. This calculator assumes that you make your withdrawal at the beginning of each period.
- Rate of return
- The annual rate of return for this investment or savings account. The actual rate of return is largely dependent on the types of investments you select. The Standard & Poor's 500® (S&P 500®) for the 10 years ending Dec. 1st, 2015, had an annual compounded rate of return of 7.76%, including reinvestment of dividends. From January 1970 through to Dec. 2015, the average annual compounded rate of return for the S&P 500®, including reinvestment of dividends, was approximately 10.5% (source: www.standardandpoors.com). Since 1970, the highest 12-month return was 61% (June 1982 through June 1983). The lowest 12-month return was -43% (March 2008 to March 2009). Savings accounts at a financial institution may pay as little as 0.25% or less but carry significantly lower risk of loss of principal balances.
It is important to remember that these scenarios are hypothetical and that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are generally subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment. It is not possible to invest directly in an index and the compounded rate of return noted above does not reflect sales charges and other fees that Separate Account investment funds and/or investment companies may charge.

- Interest
- Earnings on an investment's earnings, plus previous interest. This calculator allows you to choose the frequency that your investment's interest or income is added to your account. The more frequently this occurs, the sooner your accumulated interest income will generate additional interest. For stock and mutual fund investments, you should choose 'Annual'. For savings accounts and CDs, all of the options are valid, although you will need to check with your financial institution to find out how often interest is being compounded on your particular investment.
- Frequency of withdrawals
- How often you make withdrawals from your account. The options include weekly, bi-weekly, monthly, quarterly and annually. This calculator assumes that you make your withdrawals at the beginning of each period.

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