Talk of The Villages Florida - View Single Post - Social Security Retirees Could Face $18,000 Cut
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Old 07-30-2025, 03:37 PM
Bill14564 Bill14564 is online now
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Quote:
Originally Posted by biker1 View Post
A couple of years ago I put together a quick spreadsheet to figure out the future value of my SS contributions (both mine and my employer's). I assumed 7.5% return each year. I should have used an actual stock market index return - maybe I'll go back and do that. Regardless, the future value turned out to be approximately 5x what was put in. Assuming a withdrawal rate of 5%, it would provide me about 30% more than my SS benefit.
I just did mine roughly and at 8% and came up with 4x what was put in. I’ll work on it later with actual market returns. (By way of comparison, I expect to receive over 5x of what I contributed)

I’ll also try the 5% withdrawal to see how many years the money lasts but that will be even more dependent on future returns.
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