herunterladen... - Morningstar

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Average Income Level and Shortfall Risk
20 Year Horizon
Real Median Income ($)
80K
70K
60K
50K
40/60
20/80
60/40
80/20 (% stocks/% bonds)
Target Real Income $50K
40K
0 5K 10K 15K 20K 25K
Shortfall Income at 5 th Percentile (Target Real $50K)
Real Median Income – annual income that can be sustained at the 50th percentile over the target horizon.
Shortfall Income Risk – the shortage of income compared to a target income at the 5th percentile over the target horizon.
Average Income Level and Shortfall Risk
30 Year Horizon
Real Median Income ($)
80K
70K
60K
50K
60/40
40/60
Target Real Income $50K 20/80
40K
0 5K 10K 15K 20K 25K
Shortfall Income at 5 th Percentile (Target Real $50K)
80/20 (% stocks/% bonds)
Real Median Income – annual income that can be sustained at the 50th percentile over the target horizon.
Shortfall Income Risk – the shortage of income compared to a target income at the 5th percentile over the target horizon.
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