Fixing Social Security -- Table 3 -- Annual Retirement Income

Table 3
Annual Retirement Income¹
Retirement Year	Insured Minimum	Stock Fund RoR²	Gp 1	Gp 2	Gp 3	Gp 4	Gp 5	Maintain Insurance
1	$18,000		$18,706	$21,834	$31,906	$47,416	$57,419	$106,199
2	$18,540	21.4%	$20,750	$24,710	$35,942	$53,360	$64,679	$111,509
3	$19,096	10.8%	$21,711	$25,961	$37,726	$55,997	$67,889	$117,085
4	$19,669	12.2%	$22,910	$27,561	$39,997	$59,349	$71,973	$122,939
5	$20,259	9.1%	$23,730	$28,591	$41,477	$61,541	$74,637	$129,086
6	$20,867	-2.6%	$22,809	$27,012	$39,340	$58,421	$70,795	$135,540
7	$21,493	13.0%	$24,177	$28,849	$41,943	$62,264	$75,479	$142,317
8	$22,138	-7.5%	$22,527	$26,169	$38,282	$56,906	$68,895	$149,433
9	$22,802	10.2%	$23,475	$27,364	$39,999	$59,448	$71,984	$156,905
10	$23,486	21.3%	$26,019	$30,940	$45,019	$66,841	$81,014	$164,750
11	$24,190	-8.1%	$24,190	$27,930	$40,905	$60,821	$73,616	$172,988
12	$24,916	-13.7%	$24,916	$24,916	$35,708	$53,212	$64,273	$181,608
13	$25,664	-13.3%	$25,664	$25,664	$31,581	$47,174	$56,852	$186,779
14	$26,434	25.0%	$26,434	$26,434	$35,873	$53,500	$64,572	$185,835
15	$27,227	-1.7%	$27,227	$27,227	$34,603	$51,660	$62,291	$188,558
16	$28,043	-2.4%	$28,043	$28,043	$33,297	$49,766	$59,943	$188,395
17	$28,885	21.9%	$28,885	$28,885	$37,122	$55,410	$66,825	$185,114
18	$29,751	4.0%	$29,751	$29,751	$37,225	$55,587	$67,011	$184,687
19	$30,644	41.3%	$30,644	$31,335	$46,192	$68,782	$83,139	$182,729
20	$31,563	-10.9%	$31,563	$31,563	$41,480	$61,890	$74,667	$189,090
								$189,059
¹ Entries shown in red indicate that income insurance is paid.
² Yearly returns during retirement are taken from CREF historical returns for a 20-year period during which the 20-year annual return was 7.7%. See Returns B in Figure 6a.