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Bucket Strategy Calculator
Model the bucket approach to retirement withdrawals. Divide your savings into short-term cash, medium-term balanced, and long-term growth buckets to manage withdrawals and reduce sequence-of-returns risk.
Portfolio & Spending
Bucket Configuration
Bucket 1 (Cash/Bonds): Covers near-term spending with stable, low-risk assets. Bucket 2 (Balanced): Intermediate-term holdings that refill Bucket 1. Bucket 3 (Growth): Long-term equities for compounding; refills Bucket 2.
Bucket 1 — Short-Term (Cash & Bonds)
Bucket 2 — Medium-Term (Balanced)
Bucket 3 — Long-Term (Growth)
Bucket 3 receives all remaining funds after Buckets 1, 2, and the emergency reserve are funded.