Funded pension plan

target income → required capital (4% rule) → monthly contribution

Goal

Desired retirement income, UAH/mo

Years to retire

Already saved, UAH

Return, %/yr

Withdrawal rate, %

Plan

Save monthly

7 419,00 ₴

for capital of 6 000 000,00 ₴ (4% withdrawal)

You contribute

1 830 509,00 ₴

Growth

+4 169 491,00 ₴

Rate sensitivity:

6%/yr12 628,00 ₴/mo

10%/yr7 419,00 ₴/mo

14%/yr3 989,00 ₴/mo

At 20 000,00 ₴/mo withdrawals and 10% return, capital lasts ~100,0 yrs.

The 4% rule (Trinity study): withdrawing 4%/yr adjusted for inflation had ~95% success over 30 years in the US. For UAH assets 3% is safer. In Ukraine, funded options are NPFs or ICZ/IPP accounts (contributions up to 20% of income are tax-free).

About Funded pension plan

Funded pension plan — target income → capital (4% rule) → monthly contribution. Finance: Personal finance management. Use our tools without registration or installing software. All calculations happen in your browser — your data is never sent to a server.