Annual Investment Yield

Total yield, including capital gain and dividend, is critical input for forecast. Dividend yield (like bond interest and stock dividend) is optional input. It is part of total yield.

The recommended yield:

	Total	Dividen
Stable	2% ~ 4%	2% ~ 4%
Bond	4% ~ 7%	2% ~ 6%
Stock	6% ~ 10%	1% ~ 3%
Riskiest	8% ~ 12%	0% ~ 2%

	Trading Account		401k, IRA, HSA
	Total	Dividend	Total	Dividend
Stable
Bond
Stock
Riskiest

	Current	Phase I	Phase II	Phase III
Start Date
Net worth
Cash
Investment
Stable
Bond
Stock
Riskiest
Capital gain
Dividend
Total income
Risk Namely volatility. This is concise estimate based on typical volatilities of those 4 asset classes. For more complex estimate, you can use Portfolio Risk Assessment tool.
Chance Set a probability of market downturn to prepare for risk management. The lower probability (more conservative), the investment loss can be worse .	25% 10% 5% 1%	25% 10% 5% 1%	25% 10% 5% 1%	25% 10% 5% 1%
% loss can be
$ loss can be