In some cases the curves in the drawdown period first go up and then down. This happens because our projections use a withdrawal rate that is constant in real (inflation-adjusted) terms. In some circumstances, in early years of the drawdown period, the projected nominal value of funds remaining in an account can grow more from inflation and investment returns than it is reduced from withdrawals. This results in a hump-shaped curve during the drawdown period.
For more details on our methodology, please log into your account and review the Path disclosures
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